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$19,479
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,085
−HK$615/mo
Today · 4.125%
HK$20,700
baseline
▲ 0.50% · 4.625%
HK$21,960
+HK$1,260/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,400/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,670
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,251
−HK$590/mo
Today · 4.125%
HK$22,841
baseline
▲ 0.50% · 4.625%
HK$24,045
+HK$1,204/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,682/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,375
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,102
−HK$738/mo
Today · 4.125%
HK$24,840
baseline
▲ 0.50% · 4.625%
HK$26,352
+HK$1,512/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,680/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,004
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,701
−HK$708/mo
Today · 4.125%
HK$27,409
baseline
▲ 0.50% · 4.625%
HK$28,854
+HK$1,445/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,818/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,270
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,119
−HK$861/mo
Today · 4.125%
HK$28,980
baseline
▲ 0.50% · 4.625%
HK$30,744
+HK$1,764/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,960/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,338
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,152
−HK$825/mo
Today · 4.125%
HK$31,977
baseline
▲ 0.50% · 4.625%
HK$33,663
+HK$1,686/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,954/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,062
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,152
−HK$1,108/mo
Today · 4.125%
HK$37,260
baseline
▲ 0.50% · 4.625%
HK$39,528
+HK$2,268/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$74,520/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,006
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,052
−HK$1,061/mo
Today · 4.125%
HK$41,113
baseline
▲ 0.50% · 4.625%
HK$43,280
+HK$2,167/mo
Deposit HK$854K · loan HK$7.69M · min. income ≈ HK$82,226/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,271 · 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).