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$19,470
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,075
−HK$615/mo
Today · 4.125%
HK$20,690
baseline
▲ 0.50% · 4.625%
HK$21,949
+HK$1,259/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,380/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,660
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,241
−HK$589/mo
Today · 4.125%
HK$22,830
baseline
▲ 0.50% · 4.625%
HK$24,033
+HK$1,203/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,660/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,363
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,090
−HK$739/mo
Today · 4.125%
HK$24,829
baseline
▲ 0.50% · 4.625%
HK$26,339
+HK$1,510/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$49,658/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,992
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,689
−HK$707/mo
Today · 4.125%
HK$27,396
baseline
▲ 0.50% · 4.625%
HK$28,840
+HK$1,444/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$54,792/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,257
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,105
−HK$862/mo
Today · 4.125%
HK$28,967
baseline
▲ 0.50% · 4.625%
HK$30,729
+HK$1,762/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,934/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,324
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,137
−HK$825/mo
Today · 4.125%
HK$31,962
baseline
▲ 0.50% · 4.625%
HK$33,647
+HK$1,685/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,924/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,045
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,135
−HK$1,108/mo
Today · 4.125%
HK$37,243
baseline
▲ 0.50% · 4.625%
HK$39,509
+HK$2,266/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$74,486/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,987
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,033
−HK$1,061/mo
Today · 4.125%
HK$41,094
baseline
▲ 0.50% · 4.625%
HK$43,260
+HK$2,166/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$82,188/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,150 · 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).