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$19,496
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,103
−HK$616/mo
Today · 4.125%
HK$20,719
baseline
▲ 0.50% · 4.625%
HK$21,980
+HK$1,261/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,438/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,690
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,271
−HK$590/mo
Today · 4.125%
HK$22,861
baseline
▲ 0.50% · 4.625%
HK$24,066
+HK$1,205/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,722/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,396
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,123
−HK$740/mo
Today · 4.125%
HK$24,863
baseline
▲ 0.50% · 4.625%
HK$26,376
+HK$1,513/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,726/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,028
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,726
−HK$708/mo
Today · 4.125%
HK$27,434
baseline
▲ 0.50% · 4.625%
HK$28,880
+HK$1,446/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,868/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,295
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,144
−HK$863/mo
Today · 4.125%
HK$29,007
baseline
▲ 0.50% · 4.625%
HK$30,772
+HK$1,765/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,014/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,365
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,180
−HK$826/mo
Today · 4.125%
HK$32,006
baseline
▲ 0.50% · 4.625%
HK$33,693
+HK$1,687/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,012/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,094
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,185
−HK$1,109/mo
Today · 4.125%
HK$37,294
baseline
▲ 0.50% · 4.625%
HK$39,564
+HK$2,270/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$74,588/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,041
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,088
−HK$1,063/mo
Today · 4.125%
HK$41,151
baseline
▲ 0.50% · 4.625%
HK$43,320
+HK$2,169/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$82,302/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,504 · 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).