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$19,522
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,129
−HK$617/mo
Today · 4.125%
HK$20,746
baseline
▲ 0.50% · 4.625%
HK$22,008
+HK$1,262/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,492/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,718
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,300
−HK$591/mo
Today · 4.125%
HK$22,891
baseline
▲ 0.50% · 4.625%
HK$24,097
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,782/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,426
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,155
−HK$740/mo
Today · 4.125%
HK$24,895
baseline
▲ 0.50% · 4.625%
HK$26,410
+HK$1,515/mo
Deposit HK$3.42M · loan HK$5.14M · min. income ≈ HK$49,790/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,061
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,760
−HK$709/mo
Today · 4.125%
HK$27,469
baseline
▲ 0.50% · 4.625%
HK$28,917
+HK$1,448/mo
Deposit HK$3.42M · loan HK$5.14M · min. income ≈ HK$54,938/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,330
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,180
−HK$864/mo
Today · 4.125%
HK$29,044
baseline
▲ 0.50% · 4.625%
HK$30,811
+HK$1,767/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,088/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,405
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,220
−HK$827/mo
Today · 4.125%
HK$32,047
baseline
▲ 0.50% · 4.625%
HK$33,736
+HK$1,689/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,094/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,139
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,232
−HK$1,110/mo
Today · 4.125%
HK$37,342
baseline
▲ 0.50% · 4.625%
HK$39,614
+HK$2,272/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$74,684/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,092
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,140
−HK$1,064/mo
Today · 4.125%
HK$41,204
baseline
▲ 0.50% · 4.625%
HK$43,375
+HK$2,171/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$82,408/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,834 · 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).