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$19,490
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,096
−HK$616/mo
Today · 4.125%
HK$20,712
baseline
▲ 0.50% · 4.625%
HK$21,972
+HK$1,260/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,424/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,682
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,263
−HK$590/mo
Today · 4.125%
HK$22,853
baseline
▲ 0.50% · 4.625%
HK$24,058
+HK$1,205/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,706/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,387
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,115
−HK$739/mo
Today · 4.125%
HK$24,854
baseline
▲ 0.50% · 4.625%
HK$26,366
+HK$1,512/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,708/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,018
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,716
−HK$708/mo
Today · 4.125%
HK$27,424
baseline
▲ 0.50% · 4.625%
HK$28,869
+HK$1,445/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,848/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,285
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,134
−HK$862/mo
Today · 4.125%
HK$28,996
baseline
▲ 0.50% · 4.625%
HK$30,761
+HK$1,765/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,992/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,355
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,169
−HK$826/mo
Today · 4.125%
HK$31,995
baseline
▲ 0.50% · 4.625%
HK$33,681
+HK$1,686/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,990/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,081
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,172
−HK$1,109/mo
Today · 4.125%
HK$37,281
baseline
▲ 0.50% · 4.625%
HK$39,549
+HK$2,268/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$74,562/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,027
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,074
−HK$1,062/mo
Today · 4.125%
HK$41,136
baseline
▲ 0.50% · 4.625%
HK$43,304
+HK$2,168/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$82,272/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,412 · 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).