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$19,432
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,036
−HK$614/mo
Today · 4.125%
HK$20,650
baseline
▲ 0.50% · 4.625%
HK$21,907
+HK$1,257/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,300/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,618
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,198
−HK$588/mo
Today · 4.125%
HK$22,786
baseline
▲ 0.50% · 4.625%
HK$23,987
+HK$1,201/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,572/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,318
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,044
−HK$736/mo
Today · 4.125%
HK$24,780
baseline
▲ 0.50% · 4.625%
HK$26,288
+HK$1,508/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,560/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,941
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,637
−HK$706/mo
Today · 4.125%
HK$27,343
baseline
▲ 0.50% · 4.625%
HK$28,784
+HK$1,441/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,686/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,205
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,051
−HK$860/mo
Today · 4.125%
HK$28,911
baseline
▲ 0.50% · 4.625%
HK$30,670
+HK$1,759/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,822/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,265
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,077
−HK$823/mo
Today · 4.125%
HK$31,900
baseline
▲ 0.50% · 4.625%
HK$33,581
+HK$1,681/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,800/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,977
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,065
−HK$1,106/mo
Today · 4.125%
HK$37,171
baseline
▲ 0.50% · 4.625%
HK$39,432
+HK$2,261/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,342/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,912
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,956
−HK$1,058/mo
Today · 4.125%
HK$41,014
baseline
▲ 0.50% · 4.625%
HK$43,176
+HK$2,162/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$82,028/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,654 · 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).