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$19,477
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,083
−HK$615/mo
Today · 4.125%
HK$20,698
baseline
▲ 0.50% · 4.625%
HK$21,958
+HK$1,260/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,396/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,668
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,249
−HK$589/mo
Today · 4.125%
HK$22,838
baseline
▲ 0.50% · 4.625%
HK$24,042
+HK$1,204/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,676/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,372
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,099
−HK$739/mo
Today · 4.125%
HK$24,838
baseline
▲ 0.50% · 4.625%
HK$26,349
+HK$1,511/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$49,676/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,001
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,699
−HK$707/mo
Today · 4.125%
HK$27,406
baseline
▲ 0.50% · 4.625%
HK$28,851
+HK$1,445/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$54,812/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,268
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,116
−HK$862/mo
Today · 4.125%
HK$28,978
baseline
▲ 0.50% · 4.625%
HK$30,741
+HK$1,763/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,956/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,335
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,148
−HK$826/mo
Today · 4.125%
HK$31,974
baseline
▲ 0.50% · 4.625%
HK$33,659
+HK$1,685/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,948/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,058
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,149
−HK$1,108/mo
Today · 4.125%
HK$37,257
baseline
▲ 0.50% · 4.625%
HK$39,524
+HK$2,267/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$74,514/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,002
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,048
−HK$1,061/mo
Today · 4.125%
HK$41,109
baseline
▲ 0.50% · 4.625%
HK$43,276
+HK$2,167/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$82,218/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,246 · 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).