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$19,419
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,023
−HK$613/mo
Today · 4.125%
HK$20,636
baseline
▲ 0.50% · 4.625%
HK$21,892
+HK$1,256/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,272/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,603
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,182
−HK$588/mo
Today · 4.125%
HK$22,770
baseline
▲ 0.50% · 4.625%
HK$23,970
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,540/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,302
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,027
−HK$737/mo
Today · 4.125%
HK$24,764
baseline
▲ 0.50% · 4.625%
HK$26,270
+HK$1,506/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,528/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,924
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,619
−HK$705/mo
Today · 4.125%
HK$27,324
baseline
▲ 0.50% · 4.625%
HK$28,765
+HK$1,441/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,648/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,186
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,032
−HK$859/mo
Today · 4.125%
HK$28,891
baseline
▲ 0.50% · 4.625%
HK$30,649
+HK$1,758/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,782/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,244
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,055
−HK$823/mo
Today · 4.125%
HK$31,878
baseline
▲ 0.50% · 4.625%
HK$33,559
+HK$1,681/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,756/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,954
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,041
−HK$1,104/mo
Today · 4.125%
HK$37,145
baseline
▲ 0.50% · 4.625%
HK$39,406
+HK$2,261/mo
Deposit HK$852K · loan HK$7.66M · min. income ≈ HK$74,290/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,886
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,928
−HK$1,058/mo
Today · 4.125%
HK$40,986
baseline
▲ 0.50% · 4.625%
HK$43,147
+HK$2,161/mo
Deposit HK$852K · loan HK$7.66M · min. income ≈ HK$81,972/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,480 · 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).