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$19,517
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,124
−HK$617/mo
Today · 4.125%
HK$20,741
baseline
▲ 0.50% · 4.625%
HK$22,003
+HK$1,262/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,482/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,712
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,295
−HK$590/mo
Today · 4.125%
HK$22,885
baseline
▲ 0.50% · 4.625%
HK$24,092
+HK$1,207/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,770/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,420
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,149
−HK$740/mo
Today · 4.125%
HK$24,889
baseline
▲ 0.50% · 4.625%
HK$26,403
+HK$1,514/mo
Deposit HK$3.42M · loan HK$5.14M · min. income ≈ HK$49,778/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,055
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,753
−HK$709/mo
Today · 4.125%
HK$27,462
baseline
▲ 0.50% · 4.625%
HK$28,910
+HK$1,448/mo
Deposit HK$3.42M · loan HK$5.14M · min. income ≈ HK$54,924/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,324
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,173
−HK$864/mo
Today · 4.125%
HK$29,037
baseline
▲ 0.50% · 4.625%
HK$30,804
+HK$1,767/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,074/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,397
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,212
−HK$827/mo
Today · 4.125%
HK$32,039
baseline
▲ 0.50% · 4.625%
HK$33,728
+HK$1,689/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,078/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,130
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,223
−HK$1,110/mo
Today · 4.125%
HK$37,333
baseline
▲ 0.50% · 4.625%
HK$39,605
+HK$2,272/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$74,666/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,082
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,130
−HK$1,063/mo
Today · 4.125%
HK$41,193
baseline
▲ 0.50% · 4.625%
HK$43,365
+HK$2,172/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$82,386/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,771 · 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).