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$19,476
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,082
−HK$616/mo
Today · 4.125%
HK$20,698
baseline
▲ 0.50% · 4.625%
HK$21,957
+HK$1,259/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,396/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,667
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,248
−HK$590/mo
Today · 4.125%
HK$22,838
baseline
▲ 0.50% · 4.625%
HK$24,042
+HK$1,204/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,676/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,372
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,099
−HK$738/mo
Today · 4.125%
HK$24,837
baseline
▲ 0.50% · 4.625%
HK$26,349
+HK$1,512/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$49,674/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,001
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,698
−HK$707/mo
Today · 4.125%
HK$27,405
baseline
▲ 0.50% · 4.625%
HK$28,850
+HK$1,445/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$54,810/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,267
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,115
−HK$862/mo
Today · 4.125%
HK$28,977
baseline
▲ 0.50% · 4.625%
HK$30,740
+HK$1,763/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,954/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,334
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,148
−HK$825/mo
Today · 4.125%
HK$31,973
baseline
▲ 0.50% · 4.625%
HK$33,658
+HK$1,685/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,946/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,058
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,148
−HK$1,108/mo
Today · 4.125%
HK$37,256
baseline
▲ 0.50% · 4.625%
HK$39,523
+HK$2,267/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$74,512/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,001
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,047
−HK$1,061/mo
Today · 4.125%
HK$41,108
baseline
▲ 0.50% · 4.625%
HK$43,275
+HK$2,167/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$82,216/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,240 · 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).