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$19,505
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,112
−HK$617/mo
Today · 4.125%
HK$20,729
baseline
▲ 0.50% · 4.625%
HK$21,990
+HK$1,261/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,458/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,700
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,281
−HK$591/mo
Today · 4.125%
HK$22,872
baseline
▲ 0.50% · 4.625%
HK$24,077
+HK$1,205/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,744/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,406
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,135
−HK$739/mo
Today · 4.125%
HK$24,874
baseline
▲ 0.50% · 4.625%
HK$26,388
+HK$1,514/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,748/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,039
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,738
−HK$708/mo
Today · 4.125%
HK$27,446
baseline
▲ 0.50% · 4.625%
HK$28,893
+HK$1,447/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,892/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,308
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,157
−HK$863/mo
Today · 4.125%
HK$29,020
baseline
▲ 0.50% · 4.625%
HK$30,786
+HK$1,766/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,040/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,379
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,194
−HK$827/mo
Today · 4.125%
HK$32,021
baseline
▲ 0.50% · 4.625%
HK$33,708
+HK$1,687/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,042/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,110
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,202
−HK$1,109/mo
Today · 4.125%
HK$37,311
baseline
▲ 0.50% · 4.625%
HK$39,582
+HK$2,271/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$74,622/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,059
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,107
−HK$1,062/mo
Today · 4.125%
HK$41,169
baseline
▲ 0.50% · 4.625%
HK$43,339
+HK$2,170/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$82,338/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,621 · 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).