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$19,482
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,088
−HK$616/mo
Today · 4.125%
HK$20,704
baseline
▲ 0.50% · 4.625%
HK$21,964
+HK$1,260/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,408/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,674
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,255
−HK$590/mo
Today · 4.125%
HK$22,845
baseline
▲ 0.50% · 4.625%
HK$24,049
+HK$1,204/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,690/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,379
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,106
−HK$739/mo
Today · 4.125%
HK$24,845
baseline
▲ 0.50% · 4.625%
HK$26,357
+HK$1,512/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,690/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,009
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,706
−HK$708/mo
Today · 4.125%
HK$27,414
baseline
▲ 0.50% · 4.625%
HK$28,859
+HK$1,445/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,828/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,275
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,124
−HK$862/mo
Today · 4.125%
HK$28,986
baseline
▲ 0.50% · 4.625%
HK$30,749
+HK$1,763/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,972/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,343
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,157
−HK$826/mo
Today · 4.125%
HK$31,983
baseline
▲ 0.50% · 4.625%
HK$33,669
+HK$1,686/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,966/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,068
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,159
−HK$1,108/mo
Today · 4.125%
HK$37,267
baseline
▲ 0.50% · 4.625%
HK$39,535
+HK$2,268/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$74,534/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,013
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,059
−HK$1,062/mo
Today · 4.125%
HK$41,121
baseline
▲ 0.50% · 4.625%
HK$43,288
+HK$2,167/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$82,242/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,317 · 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).