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$19,465
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,070
−HK$616/mo
Today · 4.125%
HK$20,686
baseline
▲ 0.50% · 4.625%
HK$21,944
+HK$1,258/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,372/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,655
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,235
−HK$590/mo
Today · 4.125%
HK$22,825
baseline
▲ 0.50% · 4.625%
HK$24,028
+HK$1,203/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,650/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,358
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,085
−HK$738/mo
Today · 4.125%
HK$24,823
baseline
▲ 0.50% · 4.625%
HK$26,333
+HK$1,510/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,646/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,986
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,682
−HK$707/mo
Today · 4.125%
HK$27,389
baseline
▲ 0.50% · 4.625%
HK$28,833
+HK$1,444/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,778/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,251
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,099
−HK$861/mo
Today · 4.125%
HK$28,960
baseline
▲ 0.50% · 4.625%
HK$30,722
+HK$1,762/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,920/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,316
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,130
−HK$824/mo
Today · 4.125%
HK$31,954
baseline
▲ 0.50% · 4.625%
HK$33,639
+HK$1,685/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,908/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,037
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,127
−HK$1,107/mo
Today · 4.125%
HK$37,234
baseline
▲ 0.50% · 4.625%
HK$39,500
+HK$2,266/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$74,468/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,978
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,024
−HK$1,060/mo
Today · 4.125%
HK$41,084
baseline
▲ 0.50% · 4.625%
HK$43,250
+HK$2,166/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$82,168/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,090 · 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).