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$19,490
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,096
−HK$616/mo
Today · 4.125%
HK$20,712
baseline
▲ 0.50% · 4.625%
HK$21,973
+HK$1,261/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,424/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,683
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,264
−HK$590/mo
Today · 4.125%
HK$22,854
baseline
▲ 0.50% · 4.625%
HK$24,059
+HK$1,205/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,708/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,388
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,116
−HK$739/mo
Today · 4.125%
HK$24,855
baseline
▲ 0.50% · 4.625%
HK$26,367
+HK$1,512/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,710/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,019
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,717
−HK$708/mo
Today · 4.125%
HK$27,425
baseline
▲ 0.50% · 4.625%
HK$28,871
+HK$1,446/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,850/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,286
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,135
−HK$862/mo
Today · 4.125%
HK$28,997
baseline
▲ 0.50% · 4.625%
HK$30,762
+HK$1,765/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,994/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,356
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,170
−HK$826/mo
Today · 4.125%
HK$31,996
baseline
▲ 0.50% · 4.625%
HK$33,682
+HK$1,686/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,992/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,082
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$36,174
−HK$1,108/mo
Today · 4.125%
HK$37,282
baseline
▲ 0.50% · 4.625%
HK$39,551
+HK$2,269/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$74,564/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,029
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,075
−HK$1,062/mo
Today · 4.125%
HK$41,137
baseline
▲ 0.50% · 4.625%
HK$43,306
+HK$2,169/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$82,274/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,422 · 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).