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$19,469
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,075
−HK$615/mo
Today · 4.125%
HK$20,690
baseline
▲ 0.50% · 4.625%
HK$21,949
+HK$1,259/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,380/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,659
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,240
−HK$589/mo
Today · 4.125%
HK$22,829
baseline
▲ 0.50% · 4.625%
HK$24,033
+HK$1,204/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,658/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,363
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,090
−HK$738/mo
Today · 4.125%
HK$24,828
baseline
▲ 0.50% · 4.625%
HK$26,339
+HK$1,511/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$49,656/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,991
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,688
−HK$707/mo
Today · 4.125%
HK$27,395
baseline
▲ 0.50% · 4.625%
HK$28,839
+HK$1,444/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$54,790/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,257
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,105
−HK$861/mo
Today · 4.125%
HK$28,966
baseline
▲ 0.50% · 4.625%
HK$30,729
+HK$1,763/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,932/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,323
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,136
−HK$825/mo
Today · 4.125%
HK$31,961
baseline
▲ 0.50% · 4.625%
HK$33,646
+HK$1,685/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,922/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,044
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,134
−HK$1,108/mo
Today · 4.125%
HK$37,242
baseline
▲ 0.50% · 4.625%
HK$39,508
+HK$2,266/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$74,484/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,987
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,032
−HK$1,061/mo
Today · 4.125%
HK$41,093
baseline
▲ 0.50% · 4.625%
HK$43,259
+HK$2,166/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$82,186/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,144 · 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).