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$19,421
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,025
−HK$614/mo
Today · 4.125%
HK$20,639
baseline
▲ 0.50% · 4.625%
HK$21,894
+HK$1,255/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,278/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,605
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,185
−HK$588/mo
Today · 4.125%
HK$22,773
baseline
▲ 0.50% · 4.625%
HK$23,973
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,546/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,305
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,030
−HK$736/mo
Today · 4.125%
HK$24,766
baseline
▲ 0.50% · 4.625%
HK$26,273
+HK$1,507/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,532/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,926
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,622
−HK$705/mo
Today · 4.125%
HK$27,327
baseline
▲ 0.50% · 4.625%
HK$28,768
+HK$1,441/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,654/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,189
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,035
−HK$859/mo
Today · 4.125%
HK$28,894
baseline
▲ 0.50% · 4.625%
HK$30,652
+HK$1,758/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$57,788/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,248
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,059
−HK$823/mo
Today · 4.125%
HK$31,882
baseline
▲ 0.50% · 4.625%
HK$33,562
+HK$1,680/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$63,764/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,957
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,045
−HK$1,104/mo
Today · 4.125%
HK$37,149
baseline
▲ 0.50% · 4.625%
HK$39,410
+HK$2,261/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,298/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,890
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,933
−HK$1,058/mo
Today · 4.125%
HK$40,991
baseline
▲ 0.50% · 4.625%
HK$43,151
+HK$2,160/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$81,982/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,508 · 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).