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$19,498
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,105
−HK$616/mo
Today · 4.125%
HK$20,721
baseline
▲ 0.50% · 4.625%
HK$21,982
+HK$1,261/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,442/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,692
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,273
−HK$591/mo
Today · 4.125%
HK$22,864
baseline
▲ 0.50% · 4.625%
HK$24,069
+HK$1,205/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,728/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,398
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,126
−HK$739/mo
Today · 4.125%
HK$24,865
baseline
▲ 0.50% · 4.625%
HK$26,378
+HK$1,513/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,730/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,030
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,728
−HK$708/mo
Today · 4.125%
HK$27,436
baseline
▲ 0.50% · 4.625%
HK$28,882
+HK$1,446/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,872/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,298
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,147
−HK$862/mo
Today · 4.125%
HK$29,009
baseline
▲ 0.50% · 4.625%
HK$30,775
+HK$1,766/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,018/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,368
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,183
−HK$826/mo
Today · 4.125%
HK$32,009
baseline
▲ 0.50% · 4.625%
HK$33,696
+HK$1,687/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,018/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,097
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,189
−HK$1,109/mo
Today · 4.125%
HK$37,298
baseline
▲ 0.50% · 4.625%
HK$39,567
+HK$2,269/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$74,596/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,045
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,092
−HK$1,062/mo
Today · 4.125%
HK$41,154
baseline
▲ 0.50% · 4.625%
HK$43,324
+HK$2,170/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$82,308/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,528 · 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).