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$19,454
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,059
−HK$615/mo
Today · 4.125%
HK$20,674
baseline
▲ 0.50% · 4.625%
HK$21,932
+HK$1,258/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,348/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,643
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,223
−HK$589/mo
Today · 4.125%
HK$22,812
baseline
▲ 0.50% · 4.625%
HK$24,014
+HK$1,202/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,624/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,345
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,071
−HK$738/mo
Today · 4.125%
HK$24,809
baseline
▲ 0.50% · 4.625%
HK$26,319
+HK$1,510/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,618/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,971
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,668
−HK$706/mo
Today · 4.125%
HK$27,374
baseline
▲ 0.50% · 4.625%
HK$28,817
+HK$1,443/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,748/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,236
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,083
−HK$861/mo
Today · 4.125%
HK$28,944
baseline
▲ 0.50% · 4.625%
HK$30,705
+HK$1,761/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,888/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$255,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,300
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,112
−HK$825/mo
Today · 4.125%
HK$31,937
baseline
▲ 0.50% · 4.625%
HK$33,620
+HK$1,683/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,874/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$255,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,018
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,107
−HK$1,106/mo
Today · 4.125%
HK$37,213
baseline
▲ 0.50% · 4.625%
HK$39,478
+HK$2,265/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$74,426/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,957
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$40,001
−HK$1,060/mo
Today · 4.125%
HK$41,061
baseline
▲ 0.50% · 4.625%
HK$43,226
+HK$2,165/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,122/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,948 · 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).