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$19,516
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,123
−HK$617/mo
Today · 4.125%
HK$20,740
baseline
▲ 0.50% · 4.625%
HK$22,002
+HK$1,262/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,480/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,711
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,294
−HK$590/mo
Today · 4.125%
HK$22,884
baseline
▲ 0.50% · 4.625%
HK$24,091
+HK$1,207/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,768/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,419
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,148
−HK$740/mo
Today · 4.125%
HK$24,888
baseline
▲ 0.50% · 4.625%
HK$26,402
+HK$1,514/mo
Deposit HK$3.42M · loan HK$5.14M · min. income ≈ HK$49,776/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,054
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,752
−HK$709/mo
Today · 4.125%
HK$27,461
baseline
▲ 0.50% · 4.625%
HK$28,909
+HK$1,448/mo
Deposit HK$3.42M · loan HK$5.14M · min. income ≈ HK$54,922/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,322
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,172
−HK$864/mo
Today · 4.125%
HK$29,036
baseline
▲ 0.50% · 4.625%
HK$30,803
+HK$1,767/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,072/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,396
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,211
−HK$827/mo
Today · 4.125%
HK$32,038
baseline
▲ 0.50% · 4.625%
HK$33,727
+HK$1,689/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,076/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,129
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,222
−HK$1,110/mo
Today · 4.125%
HK$37,332
baseline
▲ 0.50% · 4.625%
HK$39,603
+HK$2,271/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$74,664/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,080
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,129
−HK$1,063/mo
Today · 4.125%
HK$41,192
baseline
▲ 0.50% · 4.625%
HK$43,363
+HK$2,171/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$82,384/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,761 · 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).