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$19,523
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,130
−HK$617/mo
Today · 4.125%
HK$20,747
baseline
▲ 0.50% · 4.625%
HK$22,010
+HK$1,263/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,494/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,719
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,302
−HK$591/mo
Today · 4.125%
HK$22,893
baseline
▲ 0.50% · 4.625%
HK$24,099
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,786/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,428
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,156
−HK$741/mo
Today · 4.125%
HK$24,897
baseline
▲ 0.50% · 4.625%
HK$26,412
+HK$1,515/mo
Deposit HK$3.42M · loan HK$5.14M · min. income ≈ HK$49,794/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,063
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,762
−HK$709/mo
Today · 4.125%
HK$27,471
baseline
▲ 0.50% · 4.625%
HK$28,919
+HK$1,448/mo
Deposit HK$3.42M · loan HK$5.14M · min. income ≈ HK$54,942/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,332
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,182
−HK$864/mo
Today · 4.125%
HK$29,046
baseline
▲ 0.50% · 4.625%
HK$30,814
+HK$1,768/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,092/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,407
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,222
−HK$828/mo
Today · 4.125%
HK$32,050
baseline
▲ 0.50% · 4.625%
HK$33,739
+HK$1,689/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,100/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,141
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,234
−HK$1,111/mo
Today · 4.125%
HK$37,345
baseline
▲ 0.50% · 4.625%
HK$39,617
+HK$2,272/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$74,690/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,094
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,143
−HK$1,064/mo
Today · 4.125%
HK$41,207
baseline
▲ 0.50% · 4.625%
HK$43,379
+HK$2,172/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$82,414/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,853 · 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).