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$19,509
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,116
−HK$616/mo
Today · 4.125%
HK$20,732
baseline
▲ 0.50% · 4.625%
HK$21,994
+HK$1,262/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,464/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,703
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,286
−HK$590/mo
Today · 4.125%
HK$22,876
baseline
▲ 0.50% · 4.625%
HK$24,082
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,752/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,411
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,139
−HK$740/mo
Today · 4.125%
HK$24,879
baseline
▲ 0.50% · 4.625%
HK$26,393
+HK$1,514/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,758/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,044
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,743
−HK$708/mo
Today · 4.125%
HK$27,451
baseline
▲ 0.50% · 4.625%
HK$28,898
+HK$1,447/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,902/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,312
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,162
−HK$863/mo
Today · 4.125%
HK$29,025
baseline
▲ 0.50% · 4.625%
HK$30,791
+HK$1,766/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,050/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,385
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,200
−HK$826/mo
Today · 4.125%
HK$32,026
baseline
▲ 0.50% · 4.625%
HK$33,715
+HK$1,689/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,052/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,116
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,208
−HK$1,110/mo
Today · 4.125%
HK$37,318
baseline
▲ 0.50% · 4.625%
HK$39,589
+HK$2,271/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$74,636/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,066
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,114
−HK$1,063/mo
Today · 4.125%
HK$41,177
baseline
▲ 0.50% · 4.625%
HK$43,347
+HK$2,170/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$82,354/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,668 · 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).