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$19,460
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,066
−HK$615/mo
Today · 4.125%
HK$20,681
baseline
▲ 0.50% · 4.625%
HK$21,939
+HK$1,258/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,362/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,650
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,230
−HK$589/mo
Today · 4.125%
HK$22,819
baseline
▲ 0.50% · 4.625%
HK$24,022
+HK$1,203/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,638/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,353
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,079
−HK$738/mo
Today · 4.125%
HK$24,817
baseline
▲ 0.50% · 4.625%
HK$26,327
+HK$1,510/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,634/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,979
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,676
−HK$707/mo
Today · 4.125%
HK$27,383
baseline
▲ 0.50% · 4.625%
HK$28,826
+HK$1,443/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,766/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,245
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,092
−HK$861/mo
Today · 4.125%
HK$28,953
baseline
▲ 0.50% · 4.625%
HK$30,715
+HK$1,762/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,906/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,309
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,122
−HK$825/mo
Today · 4.125%
HK$31,947
baseline
▲ 0.50% · 4.625%
HK$33,631
+HK$1,684/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,894/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,029
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,118
−HK$1,107/mo
Today · 4.125%
HK$37,225
baseline
▲ 0.50% · 4.625%
HK$39,491
+HK$2,266/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$74,450/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,969
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,014
−HK$1,061/mo
Today · 4.125%
HK$41,075
baseline
▲ 0.50% · 4.625%
HK$43,240
+HK$2,165/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,150/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,030 · 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).