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$19,457
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,062
−HK$615/mo
Today · 4.125%
HK$20,677
baseline
▲ 0.50% · 4.625%
HK$21,936
+HK$1,259/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,354/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,646
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,226
−HK$589/mo
Today · 4.125%
HK$22,815
baseline
▲ 0.50% · 4.625%
HK$24,018
+HK$1,203/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,630/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,349
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,075
−HK$738/mo
Today · 4.125%
HK$24,813
baseline
▲ 0.50% · 4.625%
HK$26,323
+HK$1,510/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,626/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,975
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,672
−HK$707/mo
Today · 4.125%
HK$27,379
baseline
▲ 0.50% · 4.625%
HK$28,822
+HK$1,443/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,758/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,240
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,087
−HK$861/mo
Today · 4.125%
HK$28,948
baseline
▲ 0.50% · 4.625%
HK$30,710
+HK$1,762/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,896/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$255,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,304
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,117
−HK$825/mo
Today · 4.125%
HK$31,942
baseline
▲ 0.50% · 4.625%
HK$33,625
+HK$1,683/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,884/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$255,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,023
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,112
−HK$1,107/mo
Today · 4.125%
HK$37,219
baseline
▲ 0.50% · 4.625%
HK$39,484
+HK$2,265/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$74,438/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,963
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,008
−HK$1,060/mo
Today · 4.125%
HK$41,068
baseline
▲ 0.50% · 4.625%
HK$43,232
+HK$2,164/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,136/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,988 · 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).