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$19,526
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,134
−HK$617/mo
Today · 4.125%
HK$20,751
baseline
▲ 0.50% · 4.625%
HK$22,014
+HK$1,263/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,502/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,723
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,306
−HK$591/mo
Today · 4.125%
HK$22,897
baseline
▲ 0.50% · 4.625%
HK$24,103
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,794/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,432
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,161
−HK$740/mo
Today · 4.125%
HK$24,901
baseline
▲ 0.50% · 4.625%
HK$26,416
+HK$1,515/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,802/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,067
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,767
−HK$709/mo
Today · 4.125%
HK$27,476
baseline
▲ 0.50% · 4.625%
HK$28,924
+HK$1,448/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,952/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,337
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,187
−HK$864/mo
Today · 4.125%
HK$29,051
baseline
▲ 0.50% · 4.625%
HK$30,819
+HK$1,768/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,102/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,412
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,228
−HK$827/mo
Today · 4.125%
HK$32,055
baseline
▲ 0.50% · 4.625%
HK$33,745
+HK$1,690/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,110/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,147
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,241
−HK$1,111/mo
Today · 4.125%
HK$37,352
baseline
▲ 0.50% · 4.625%
HK$39,624
+HK$2,272/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$74,704/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,101
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,150
−HK$1,064/mo
Today · 4.125%
HK$41,214
baseline
▲ 0.50% · 4.625%
HK$43,386
+HK$2,172/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$82,428/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,898 · 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).