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$19,492
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,099
−HK$616/mo
Today · 4.125%
HK$20,715
baseline
▲ 0.50% · 4.625%
HK$21,975
+HK$1,260/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,430/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,685
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,267
−HK$590/mo
Today · 4.125%
HK$22,857
baseline
▲ 0.50% · 4.625%
HK$24,062
+HK$1,205/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,714/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,391
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,119
−HK$739/mo
Today · 4.125%
HK$24,858
baseline
▲ 0.50% · 4.625%
HK$26,370
+HK$1,512/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,716/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,022
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,720
−HK$708/mo
Today · 4.125%
HK$27,428
baseline
▲ 0.50% · 4.625%
HK$28,874
+HK$1,446/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,856/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,289
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,138
−HK$863/mo
Today · 4.125%
HK$29,001
baseline
▲ 0.50% · 4.625%
HK$30,765
+HK$1,764/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$58,002/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,359
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,173
−HK$826/mo
Today · 4.125%
HK$31,999
baseline
▲ 0.50% · 4.625%
HK$33,686
+HK$1,687/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,998/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,086
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,178
−HK$1,109/mo
Today · 4.125%
HK$37,287
baseline
▲ 0.50% · 4.625%
HK$39,555
+HK$2,268/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$74,574/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,033
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,080
−HK$1,062/mo
Today · 4.125%
HK$41,142
baseline
▲ 0.50% · 4.625%
HK$43,311
+HK$2,169/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$82,284/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,451 · 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).