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$19,495
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,102
−HK$616/mo
Today · 4.125%
HK$20,718
baseline
▲ 0.50% · 4.625%
HK$21,978
+HK$1,260/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,436/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,688
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,270
−HK$590/mo
Today · 4.125%
HK$22,860
baseline
▲ 0.50% · 4.625%
HK$24,065
+HK$1,205/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,720/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,394
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,122
−HK$739/mo
Today · 4.125%
HK$24,861
baseline
▲ 0.50% · 4.625%
HK$26,374
+HK$1,513/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,722/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,026
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,724
−HK$708/mo
Today · 4.125%
HK$27,432
baseline
▲ 0.50% · 4.625%
HK$28,878
+HK$1,446/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,864/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,293
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,142
−HK$863/mo
Today · 4.125%
HK$29,005
baseline
▲ 0.50% · 4.625%
HK$30,770
+HK$1,765/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$58,010/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,363
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,178
−HK$826/mo
Today · 4.125%
HK$32,004
baseline
▲ 0.50% · 4.625%
HK$33,691
+HK$1,687/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$64,008/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,091
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,183
−HK$1,109/mo
Today · 4.125%
HK$37,292
baseline
▲ 0.50% · 4.625%
HK$39,561
+HK$2,269/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$74,584/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,039
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,086
−HK$1,062/mo
Today · 4.125%
HK$41,148
baseline
▲ 0.50% · 4.625%
HK$43,317
+HK$2,169/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$82,296/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,486 · 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).