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$19,405
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,009
−HK$613/mo
Today · 4.125%
HK$20,622
baseline
▲ 0.50% · 4.625%
HK$21,877
+HK$1,255/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,244/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,588
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,167
−HK$587/mo
Today · 4.125%
HK$22,754
baseline
▲ 0.50% · 4.625%
HK$23,954
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,508/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,286
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,010
−HK$736/mo
Today · 4.125%
HK$24,746
baseline
▲ 0.50% · 4.625%
HK$26,252
+HK$1,506/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$49,492/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,906
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,600
−HK$705/mo
Today · 4.125%
HK$27,305
baseline
▲ 0.50% · 4.625%
HK$28,744
+HK$1,439/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$54,610/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,167
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,012
−HK$859/mo
Today · 4.125%
HK$28,871
baseline
▲ 0.50% · 4.625%
HK$30,627
+HK$1,756/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,742/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,223
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,034
−HK$822/mo
Today · 4.125%
HK$31,856
baseline
▲ 0.50% · 4.625%
HK$33,535
+HK$1,679/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,712/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,929
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,016
−HK$1,104/mo
Today · 4.125%
HK$37,120
baseline
▲ 0.50% · 4.625%
HK$39,378
+HK$2,258/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,240/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,858
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,900
−HK$1,058/mo
Today · 4.125%
HK$40,958
baseline
▲ 0.50% · 4.625%
HK$43,117
+HK$2,159/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,916/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,302 · 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).