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$20,010
−HK$614/mo
Today · 4.125%
HK$20,624
baseline
▲ 0.50% · 4.625%
HK$21,878
+HK$1,254/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$255,321 · 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$255,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,288
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,012
−HK$736/mo
Today · 4.125%
HK$24,748
baseline
▲ 0.50% · 4.625%
HK$26,254
+HK$1,506/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$49,496/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,908
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,602
−HK$705/mo
Today · 4.125%
HK$27,307
baseline
▲ 0.50% · 4.625%
HK$28,747
+HK$1,440/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$54,614/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,169
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,014
−HK$859/mo
Today · 4.125%
HK$28,873
baseline
▲ 0.50% · 4.625%
HK$30,630
+HK$1,757/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,746/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,225
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,036
−HK$822/mo
Today · 4.125%
HK$31,858
baseline
▲ 0.50% · 4.625%
HK$33,538
+HK$1,680/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,716/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,932
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,018
−HK$1,104/mo
Today · 4.125%
HK$37,122
baseline
▲ 0.50% · 4.625%
HK$39,381
+HK$2,259/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,244/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,861
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,904
−HK$1,057/mo
Today · 4.125%
HK$40,961
baseline
▲ 0.50% · 4.625%
HK$43,120
+HK$2,159/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,922/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,321 · 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).