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$19,460
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,065
−HK$615/mo
Today · 4.125%
HK$20,680
baseline
▲ 0.50% · 4.625%
HK$21,939
+HK$1,259/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,360/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,649
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,230
−HK$589/mo
Today · 4.125%
HK$22,819
baseline
▲ 0.50% · 4.625%
HK$24,022
+HK$1,203/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,638/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,352
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,078
−HK$738/mo
Today · 4.125%
HK$24,816
baseline
▲ 0.50% · 4.625%
HK$26,326
+HK$1,510/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,632/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,979
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,676
−HK$706/mo
Today · 4.125%
HK$27,382
baseline
▲ 0.50% · 4.625%
HK$28,826
+HK$1,444/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,764/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,244
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,091
−HK$861/mo
Today · 4.125%
HK$28,952
baseline
▲ 0.50% · 4.625%
HK$30,714
+HK$1,762/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,904/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,309
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,122
−HK$824/mo
Today · 4.125%
HK$31,946
baseline
▲ 0.50% · 4.625%
HK$33,630
+HK$1,684/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,892/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,028
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,118
−HK$1,107/mo
Today · 4.125%
HK$37,225
baseline
▲ 0.50% · 4.625%
HK$39,490
+HK$2,265/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$74,450/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,968
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,013
−HK$1,061/mo
Today · 4.125%
HK$41,074
baseline
▲ 0.50% · 4.625%
HK$43,239
+HK$2,165/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,148/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,025 · 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).