The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$19,480
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,086
−HK$615/mo
Today · 4.125%
HK$20,701
baseline
▲ 0.50% · 4.625%
HK$21,961
+HK$1,260/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,402/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,671
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,252
−HK$590/mo
Today · 4.125%
HK$22,842
baseline
▲ 0.50% · 4.625%
HK$24,046
+HK$1,204/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,684/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,376
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,103
−HK$738/mo
Today · 4.125%
HK$24,841
baseline
▲ 0.50% · 4.625%
HK$26,353
+HK$1,512/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,682/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,005
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,703
−HK$707/mo
Today · 4.125%
HK$27,410
baseline
▲ 0.50% · 4.625%
HK$28,855
+HK$1,445/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,820/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,271
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,120
−HK$862/mo
Today · 4.125%
HK$28,982
baseline
▲ 0.50% · 4.625%
HK$30,745
+HK$1,763/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,964/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,339
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,153
−HK$825/mo
Today · 4.125%
HK$31,978
baseline
▲ 0.50% · 4.625%
HK$33,664
+HK$1,686/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,956/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,063
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,154
−HK$1,108/mo
Today · 4.125%
HK$37,262
baseline
▲ 0.50% · 4.625%
HK$39,529
+HK$2,267/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$74,524/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,008
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,054
−HK$1,061/mo
Today · 4.125%
HK$41,115
baseline
▲ 0.50% · 4.625%
HK$43,282
+HK$2,167/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$82,230/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,283 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).