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$19,505
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,111
−HK$617/mo
Today · 4.125%
HK$20,728
baseline
▲ 0.50% · 4.625%
HK$21,989
+HK$1,261/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,456/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,699
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,281
−HK$590/mo
Today · 4.125%
HK$22,871
baseline
▲ 0.50% · 4.625%
HK$24,077
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,742/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,406
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,134
−HK$739/mo
Today · 4.125%
HK$24,873
baseline
▲ 0.50% · 4.625%
HK$26,387
+HK$1,514/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,746/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,039
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,737
−HK$708/mo
Today · 4.125%
HK$27,445
baseline
▲ 0.50% · 4.625%
HK$28,892
+HK$1,447/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,890/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,307
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,156
−HK$863/mo
Today · 4.125%
HK$29,019
baseline
▲ 0.50% · 4.625%
HK$30,785
+HK$1,766/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,038/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,378
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,193
−HK$827/mo
Today · 4.125%
HK$32,020
baseline
▲ 0.50% · 4.625%
HK$33,707
+HK$1,687/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,040/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,109
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,201
−HK$1,109/mo
Today · 4.125%
HK$37,310
baseline
▲ 0.50% · 4.625%
HK$39,580
+HK$2,270/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$74,620/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,058
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,105
−HK$1,063/mo
Today · 4.125%
HK$41,168
baseline
▲ 0.50% · 4.625%
HK$43,338
+HK$2,170/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$82,336/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,613 · 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).