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$19,487
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,093
−HK$616/mo
Today · 4.125%
HK$20,709
baseline
▲ 0.50% · 4.625%
HK$21,969
+HK$1,260/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,418/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,679
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,261
−HK$589/mo
Today · 4.125%
HK$22,850
baseline
▲ 0.50% · 4.625%
HK$24,055
+HK$1,205/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,700/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,384
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,112
−HK$739/mo
Today · 4.125%
HK$24,851
baseline
▲ 0.50% · 4.625%
HK$26,363
+HK$1,512/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,702/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,015
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,713
−HK$707/mo
Today · 4.125%
HK$27,420
baseline
▲ 0.50% · 4.625%
HK$28,866
+HK$1,446/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,840/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,282
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,130
−HK$863/mo
Today · 4.125%
HK$28,993
baseline
▲ 0.50% · 4.625%
HK$30,757
+HK$1,764/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,986/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,351
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,165
−HK$825/mo
Today · 4.125%
HK$31,990
baseline
▲ 0.50% · 4.625%
HK$33,677
+HK$1,687/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,980/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,077
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,168
−HK$1,108/mo
Today · 4.125%
HK$37,276
baseline
▲ 0.50% · 4.625%
HK$39,544
+HK$2,268/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$74,552/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,022
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,069
−HK$1,062/mo
Today · 4.125%
HK$41,131
baseline
▲ 0.50% · 4.625%
HK$43,299
+HK$2,168/mo
Deposit HK$855K · loan HK$7.69M · min. income ≈ HK$82,262/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,379 · 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).