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$19,480
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,086
−HK$616/mo
Today · 4.125%
HK$20,702
baseline
▲ 0.50% · 4.625%
HK$21,961
+HK$1,259/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,404/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,671
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,253
−HK$589/mo
Today · 4.125%
HK$22,842
baseline
▲ 0.50% · 4.625%
HK$24,046
+HK$1,204/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,684/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,376
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,103
−HK$739/mo
Today · 4.125%
HK$24,842
baseline
▲ 0.50% · 4.625%
HK$26,354
+HK$1,512/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,684/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,006
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,703
−HK$708/mo
Today · 4.125%
HK$27,411
baseline
▲ 0.50% · 4.625%
HK$28,856
+HK$1,445/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,822/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,272
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,121
−HK$861/mo
Today · 4.125%
HK$28,982
baseline
▲ 0.50% · 4.625%
HK$30,746
+HK$1,764/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,964/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,340
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,154
−HK$825/mo
Today · 4.125%
HK$31,979
baseline
▲ 0.50% · 4.625%
HK$33,665
+HK$1,686/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,958/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,064
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,155
−HK$1,108/mo
Today · 4.125%
HK$37,263
baseline
▲ 0.50% · 4.625%
HK$39,530
+HK$2,267/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$74,526/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,009
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,055
−HK$1,061/mo
Today · 4.125%
HK$41,116
baseline
▲ 0.50% · 4.625%
HK$43,283
+HK$2,167/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$82,232/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,289 · 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).