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$19,405
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,009
−HK$613/mo
Today · 4.125%
HK$20,622
baseline
▲ 0.50% · 4.625%
HK$21,877
+HK$1,255/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,244/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,588
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,167
−HK$588/mo
Today · 4.125%
HK$22,755
baseline
▲ 0.50% · 4.625%
HK$23,954
+HK$1,199/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,510/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,286
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,011
−HK$736/mo
Today · 4.125%
HK$24,747
baseline
▲ 0.50% · 4.625%
HK$26,252
+HK$1,505/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$49,494/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,906
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,601
−HK$705/mo
Today · 4.125%
HK$27,306
baseline
▲ 0.50% · 4.625%
HK$28,745
+HK$1,439/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$54,612/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,168
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,013
−HK$858/mo
Today · 4.125%
HK$28,871
baseline
▲ 0.50% · 4.625%
HK$30,628
+HK$1,757/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,742/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,224
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,034
−HK$822/mo
Today · 4.125%
HK$31,856
baseline
▲ 0.50% · 4.625%
HK$33,536
+HK$1,680/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,712/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,930
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,016
−HK$1,104/mo
Today · 4.125%
HK$37,120
baseline
▲ 0.50% · 4.625%
HK$39,379
+HK$2,259/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,240/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,859
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,901
−HK$1,057/mo
Today · 4.125%
HK$40,958
baseline
▲ 0.50% · 4.625%
HK$43,117
+HK$2,159/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,916/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,306 · 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).