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$19,471
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,077
−HK$616/mo
Today · 4.125%
HK$20,693
baseline
▲ 0.50% · 4.625%
HK$21,952
+HK$1,259/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,386/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,662
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,243
−HK$589/mo
Today · 4.125%
HK$22,832
baseline
▲ 0.50% · 4.625%
HK$24,036
+HK$1,204/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,664/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,366
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,093
−HK$738/mo
Today · 4.125%
HK$24,831
baseline
▲ 0.50% · 4.625%
HK$26,342
+HK$1,511/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$49,662/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,994
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,691
−HK$708/mo
Today · 4.125%
HK$27,399
baseline
▲ 0.50% · 4.625%
HK$28,843
+HK$1,444/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$54,798/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,260
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,108
−HK$862/mo
Today · 4.125%
HK$28,970
baseline
▲ 0.50% · 4.625%
HK$30,732
+HK$1,762/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,940/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,327
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,140
−HK$825/mo
Today · 4.125%
HK$31,965
baseline
▲ 0.50% · 4.625%
HK$33,650
+HK$1,685/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,930/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,049
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,139
−HK$1,108/mo
Today · 4.125%
HK$37,247
baseline
▲ 0.50% · 4.625%
HK$39,513
+HK$2,266/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$74,494/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,991
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,037
−HK$1,061/mo
Today · 4.125%
HK$41,098
baseline
▲ 0.50% · 4.625%
HK$43,264
+HK$2,166/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$82,196/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,176 · 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).