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$19,508
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,115
−HK$617/mo
Today · 4.125%
HK$20,732
baseline
▲ 0.50% · 4.625%
HK$21,993
+HK$1,261/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$256,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,703
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,285
−HK$590/mo
Today · 4.125%
HK$22,875
baseline
▲ 0.50% · 4.625%
HK$24,081
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,750/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,410
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,138
−HK$740/mo
Today · 4.125%
HK$24,878
baseline
▲ 0.50% · 4.625%
HK$26,392
+HK$1,514/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,756/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,043
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,742
−HK$708/mo
Today · 4.125%
HK$27,450
baseline
▲ 0.50% · 4.625%
HK$28,897
+HK$1,447/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,900/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,311
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,161
−HK$863/mo
Today · 4.125%
HK$29,024
baseline
▲ 0.50% · 4.625%
HK$30,790
+HK$1,766/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,048/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,384
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,199
−HK$826/mo
Today · 4.125%
HK$32,025
baseline
▲ 0.50% · 4.625%
HK$33,713
+HK$1,688/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,050/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,115
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,207
−HK$1,110/mo
Today · 4.125%
HK$37,317
baseline
▲ 0.50% · 4.625%
HK$39,587
+HK$2,270/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$74,634/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,065
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,113
−HK$1,062/mo
Today · 4.125%
HK$41,175
baseline
▲ 0.50% · 4.625%
HK$43,346
+HK$2,171/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$82,350/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,659 · 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).