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$19,431
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,035
−HK$614/mo
Today · 4.125%
HK$20,649
baseline
▲ 0.50% · 4.625%
HK$21,906
+HK$1,257/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,298/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,617
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,196
−HK$589/mo
Today · 4.125%
HK$22,785
baseline
▲ 0.50% · 4.625%
HK$23,986
+HK$1,201/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,570/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,317
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,042
−HK$737/mo
Today · 4.125%
HK$24,779
baseline
▲ 0.50% · 4.625%
HK$26,287
+HK$1,508/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,558/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,940
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,636
−HK$705/mo
Today · 4.125%
HK$27,341
baseline
▲ 0.50% · 4.625%
HK$28,783
+HK$1,442/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,682/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,203
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,049
−HK$860/mo
Today · 4.125%
HK$28,909
baseline
▲ 0.50% · 4.625%
HK$30,668
+HK$1,759/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$57,818/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,263
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,075
−HK$823/mo
Today · 4.125%
HK$31,898
baseline
▲ 0.50% · 4.625%
HK$33,580
+HK$1,682/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$63,796/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,976
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,064
−HK$1,105/mo
Today · 4.125%
HK$37,169
baseline
▲ 0.50% · 4.625%
HK$39,430
+HK$2,261/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,338/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,910
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,954
−HK$1,058/mo
Today · 4.125%
HK$41,012
baseline
▲ 0.50% · 4.625%
HK$43,174
+HK$2,162/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$82,024/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,641 · 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).