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$19,520
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,127
−HK$617/mo
Today · 4.125%
HK$20,744
baseline
▲ 0.50% · 4.625%
HK$22,006
+HK$1,262/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,488/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,715
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,298
−HK$591/mo
Today · 4.125%
HK$22,889
baseline
▲ 0.50% · 4.625%
HK$24,095
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,778/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,424
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,152
−HK$740/mo
Today · 4.125%
HK$24,892
baseline
▲ 0.50% · 4.625%
HK$26,407
+HK$1,515/mo
Deposit HK$3.42M · loan HK$5.14M · min. income ≈ HK$49,784/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,059
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,757
−HK$709/mo
Today · 4.125%
HK$27,466
baseline
▲ 0.50% · 4.625%
HK$28,914
+HK$1,448/mo
Deposit HK$3.42M · loan HK$5.14M · min. income ≈ HK$54,932/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,328
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,178
−HK$863/mo
Today · 4.125%
HK$29,041
baseline
▲ 0.50% · 4.625%
HK$30,808
+HK$1,767/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,082/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,402
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,217
−HK$827/mo
Today · 4.125%
HK$32,044
baseline
▲ 0.50% · 4.625%
HK$33,733
+HK$1,689/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,088/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,135
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,228
−HK$1,111/mo
Today · 4.125%
HK$37,339
baseline
▲ 0.50% · 4.625%
HK$39,611
+HK$2,272/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$74,678/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,088
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,136
−HK$1,064/mo
Today · 4.125%
HK$41,200
baseline
▲ 0.50% · 4.625%
HK$43,371
+HK$2,171/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$82,400/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,810 · 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).