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$19,407
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,011
−HK$613/mo
Today · 4.125%
HK$20,624
baseline
▲ 0.50% · 4.625%
HK$21,879
+HK$1,255/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,248/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,590
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,169
−HK$587/mo
Today · 4.125%
HK$22,756
baseline
▲ 0.50% · 4.625%
HK$23,956
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,512/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,288
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,013
−HK$736/mo
Today · 4.125%
HK$24,749
baseline
▲ 0.50% · 4.625%
HK$26,255
+HK$1,506/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$49,498/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,908
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,603
−HK$705/mo
Today · 4.125%
HK$27,308
baseline
▲ 0.50% · 4.625%
HK$28,747
+HK$1,439/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$54,616/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,170
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,015
−HK$859/mo
Today · 4.125%
HK$28,874
baseline
▲ 0.50% · 4.625%
HK$30,630
+HK$1,756/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,748/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,226
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,037
−HK$822/mo
Today · 4.125%
HK$31,859
baseline
▲ 0.50% · 4.625%
HK$33,538
+HK$1,679/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,718/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,933
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,019
−HK$1,104/mo
Today · 4.125%
HK$37,123
baseline
▲ 0.50% · 4.625%
HK$39,382
+HK$2,259/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,246/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,862
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,904
−HK$1,058/mo
Today · 4.125%
HK$40,962
baseline
▲ 0.50% · 4.625%
HK$43,121
+HK$2,159/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,924/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,327 · 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).