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$19,507
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,113
−HK$617/mo
Today · 4.125%
HK$20,730
baseline
▲ 0.50% · 4.625%
HK$21,991
+HK$1,261/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,460/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,701
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,283
−HK$590/mo
Today · 4.125%
HK$22,873
baseline
▲ 0.50% · 4.625%
HK$24,079
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,746/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,408
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,136
−HK$740/mo
Today · 4.125%
HK$24,876
baseline
▲ 0.50% · 4.625%
HK$26,389
+HK$1,513/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,752/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,041
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,739
−HK$709/mo
Today · 4.125%
HK$27,448
baseline
▲ 0.50% · 4.625%
HK$28,895
+HK$1,447/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,896/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,309
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,159
−HK$863/mo
Today · 4.125%
HK$29,022
baseline
▲ 0.50% · 4.625%
HK$30,788
+HK$1,766/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,044/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,381
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,196
−HK$827/mo
Today · 4.125%
HK$32,023
baseline
▲ 0.50% · 4.625%
HK$33,711
+HK$1,688/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,046/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,112
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,204
−HK$1,110/mo
Today · 4.125%
HK$37,314
baseline
▲ 0.50% · 4.625%
HK$39,584
+HK$2,270/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$74,628/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,061
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,109
−HK$1,063/mo
Today · 4.125%
HK$41,172
baseline
▲ 0.50% · 4.625%
HK$43,342
+HK$2,170/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$82,344/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,637 · 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).