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$19,411
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,015
−HK$613/mo
Today · 4.125%
HK$20,628
baseline
▲ 0.50% · 4.625%
HK$21,883
+HK$1,255/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,256/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,595
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,174
−HK$587/mo
Today · 4.125%
HK$22,761
baseline
▲ 0.50% · 4.625%
HK$23,961
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,522/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,293
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,018
−HK$736/mo
Today · 4.125%
HK$24,754
baseline
▲ 0.50% · 4.625%
HK$26,260
+HK$1,506/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,508/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,913
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,608
−HK$705/mo
Today · 4.125%
HK$27,313
baseline
▲ 0.50% · 4.625%
HK$28,753
+HK$1,440/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,626/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,175
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,021
−HK$859/mo
Today · 4.125%
HK$28,880
baseline
▲ 0.50% · 4.625%
HK$30,637
+HK$1,757/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,760/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,232
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,043
−HK$823/mo
Today · 4.125%
HK$31,866
baseline
▲ 0.50% · 4.625%
HK$33,545
+HK$1,679/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,732/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,940
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,027
−HK$1,104/mo
Today · 4.125%
HK$37,131
baseline
▲ 0.50% · 4.625%
HK$39,390
+HK$2,259/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,262/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,870
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,913
−HK$1,057/mo
Today · 4.125%
HK$40,970
baseline
▲ 0.50% · 4.625%
HK$43,130
+HK$2,160/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,940/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,379 · 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).