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$19,428
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,033
−HK$614/mo
Today · 4.125%
HK$20,647
baseline
▲ 0.50% · 4.625%
HK$21,903
+HK$1,256/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,294/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,614
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,194
−HK$588/mo
Today · 4.125%
HK$22,782
baseline
▲ 0.50% · 4.625%
HK$23,982
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,564/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,314
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,039
−HK$737/mo
Today · 4.125%
HK$24,776
baseline
▲ 0.50% · 4.625%
HK$26,284
+HK$1,508/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,552/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,937
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,632
−HK$706/mo
Today · 4.125%
HK$27,338
baseline
▲ 0.50% · 4.625%
HK$28,779
+HK$1,441/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,676/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,200
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,046
−HK$859/mo
Today · 4.125%
HK$28,905
baseline
▲ 0.50% · 4.625%
HK$30,664
+HK$1,759/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$57,810/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,259
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,071
−HK$823/mo
Today · 4.125%
HK$31,894
baseline
▲ 0.50% · 4.625%
HK$33,575
+HK$1,681/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$63,788/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,971
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,059
−HK$1,105/mo
Today · 4.125%
HK$37,164
baseline
▲ 0.50% · 4.625%
HK$39,425
+HK$2,261/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,328/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,905
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,948
−HK$1,059/mo
Today · 4.125%
HK$41,007
baseline
▲ 0.50% · 4.625%
HK$43,168
+HK$2,161/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$82,014/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,609 · 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).