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$19,472
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,078
−HK$616/mo
Today · 4.125%
HK$20,694
baseline
▲ 0.50% · 4.625%
HK$21,953
+HK$1,259/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,388/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,663
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,244
−HK$589/mo
Today · 4.125%
HK$22,833
baseline
▲ 0.50% · 4.625%
HK$24,037
+HK$1,204/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,666/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,367
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,094
−HK$738/mo
Today · 4.125%
HK$24,832
baseline
▲ 0.50% · 4.625%
HK$26,343
+HK$1,511/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$49,664/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,995
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,693
−HK$707/mo
Today · 4.125%
HK$27,400
baseline
▲ 0.50% · 4.625%
HK$28,844
+HK$1,444/mo
Deposit HK$3.42M · loan HK$5.12M · min. income ≈ HK$54,800/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,261
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,109
−HK$862/mo
Today · 4.125%
HK$28,971
baseline
▲ 0.50% · 4.625%
HK$30,734
+HK$1,763/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,942/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,328
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,141
−HK$826/mo
Today · 4.125%
HK$31,967
baseline
▲ 0.50% · 4.625%
HK$33,652
+HK$1,685/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,934/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,050
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,141
−HK$1,107/mo
Today · 4.125%
HK$37,248
baseline
▲ 0.50% · 4.625%
HK$39,515
+HK$2,267/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$74,496/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,993
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,039
−HK$1,061/mo
Today · 4.125%
HK$41,100
baseline
▲ 0.50% · 4.625%
HK$43,266
+HK$2,166/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$82,200/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,188 · 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).