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$19,466
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,072
−HK$615/mo
Today · 4.125%
HK$20,687
baseline
▲ 0.50% · 4.625%
HK$21,946
+HK$1,259/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,374/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,656
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,237
−HK$589/mo
Today · 4.125%
HK$22,826
baseline
▲ 0.50% · 4.625%
HK$24,029
+HK$1,203/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,652/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,359
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,086
−HK$738/mo
Today · 4.125%
HK$24,824
baseline
▲ 0.50% · 4.625%
HK$26,335
+HK$1,511/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,648/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,987
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,684
−HK$707/mo
Today · 4.125%
HK$27,391
baseline
▲ 0.50% · 4.625%
HK$28,835
+HK$1,444/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,782/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,253
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,100
−HK$862/mo
Today · 4.125%
HK$28,962
baseline
▲ 0.50% · 4.625%
HK$30,724
+HK$1,762/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,924/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,318
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,131
−HK$825/mo
Today · 4.125%
HK$31,956
baseline
▲ 0.50% · 4.625%
HK$33,641
+HK$1,685/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,912/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,039
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,129
−HK$1,107/mo
Today · 4.125%
HK$37,236
baseline
▲ 0.50% · 4.625%
HK$39,502
+HK$2,266/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$74,472/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,981
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,026
−HK$1,061/mo
Today · 4.125%
HK$41,087
baseline
▲ 0.50% · 4.625%
HK$43,253
+HK$2,166/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$82,174/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,106 · 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).