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$19,474
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,080
−HK$616/mo
Today · 4.125%
HK$20,696
baseline
▲ 0.50% · 4.625%
HK$21,955
+HK$1,259/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,392/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,665
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,246
−HK$590/mo
Today · 4.125%
HK$22,836
baseline
▲ 0.50% · 4.625%
HK$24,039
+HK$1,203/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,672/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,369
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,096
−HK$739/mo
Today · 4.125%
HK$24,835
baseline
▲ 0.50% · 4.625%
HK$26,346
+HK$1,511/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$49,670/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,998
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,695
−HK$708/mo
Today · 4.125%
HK$27,403
baseline
▲ 0.50% · 4.625%
HK$28,847
+HK$1,444/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$54,806/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,264
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,112
−HK$862/mo
Today · 4.125%
HK$28,974
baseline
▲ 0.50% · 4.625%
HK$30,737
+HK$1,763/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,948/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,331
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,145
−HK$825/mo
Today · 4.125%
HK$31,970
baseline
▲ 0.50% · 4.625%
HK$33,655
+HK$1,685/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,940/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,054
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,144
−HK$1,108/mo
Today · 4.125%
HK$37,252
baseline
▲ 0.50% · 4.625%
HK$39,519
+HK$2,267/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$74,504/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,997
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,043
−HK$1,061/mo
Today · 4.125%
HK$41,104
baseline
▲ 0.50% · 4.625%
HK$43,271
+HK$2,167/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$82,208/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,215 · 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).