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$19,510
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,117
−HK$616/mo
Today · 4.125%
HK$20,733
baseline
▲ 0.50% · 4.625%
HK$21,995
+HK$1,262/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,466/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,705
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,287
−HK$590/mo
Today · 4.125%
HK$22,877
baseline
▲ 0.50% · 4.625%
HK$24,083
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,754/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,412
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,140
−HK$740/mo
Today · 4.125%
HK$24,880
baseline
▲ 0.50% · 4.625%
HK$26,394
+HK$1,514/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,760/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,045
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,744
−HK$709/mo
Today · 4.125%
HK$27,453
baseline
▲ 0.50% · 4.625%
HK$28,900
+HK$1,447/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,906/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,314
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,163
−HK$864/mo
Today · 4.125%
HK$29,027
baseline
▲ 0.50% · 4.625%
HK$30,793
+HK$1,766/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,054/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,386
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,201
−HK$827/mo
Today · 4.125%
HK$32,028
baseline
▲ 0.50% · 4.625%
HK$33,716
+HK$1,688/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,056/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,118
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,210
−HK$1,110/mo
Today · 4.125%
HK$37,320
baseline
▲ 0.50% · 4.625%
HK$39,591
+HK$2,271/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$74,640/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,068
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,116
−HK$1,063/mo
Today · 4.125%
HK$41,179
baseline
▲ 0.50% · 4.625%
HK$43,349
+HK$2,170/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$82,358/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,680 · 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).