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$19,468
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,074
−HK$615/mo
Today · 4.125%
HK$20,689
baseline
▲ 0.50% · 4.625%
HK$21,948
+HK$1,259/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,378/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,658
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,239
−HK$589/mo
Today · 4.125%
HK$22,828
baseline
▲ 0.50% · 4.625%
HK$24,031
+HK$1,203/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,656/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,362
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,088
−HK$739/mo
Today · 4.125%
HK$24,827
baseline
▲ 0.50% · 4.625%
HK$26,337
+HK$1,510/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$49,654/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,989
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,687
−HK$707/mo
Today · 4.125%
HK$27,394
baseline
▲ 0.50% · 4.625%
HK$28,838
+HK$1,444/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$54,788/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,255
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,103
−HK$861/mo
Today · 4.125%
HK$28,964
baseline
▲ 0.50% · 4.625%
HK$30,727
+HK$1,763/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,928/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,321
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,134
−HK$825/mo
Today · 4.125%
HK$31,959
baseline
▲ 0.50% · 4.625%
HK$33,644
+HK$1,685/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,918/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,042
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,132
−HK$1,108/mo
Today · 4.125%
HK$37,240
baseline
▲ 0.50% · 4.625%
HK$39,506
+HK$2,266/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$74,480/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,984
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,030
−HK$1,060/mo
Today · 4.125%
HK$41,090
baseline
▲ 0.50% · 4.625%
HK$43,256
+HK$2,166/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$82,180/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,129 · 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).