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$19,406
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,009
−HK$614/mo
Today · 4.125%
HK$20,623
baseline
▲ 0.50% · 4.625%
HK$21,877
+HK$1,254/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,246/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,589
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,168
−HK$587/mo
Today · 4.125%
HK$22,755
baseline
▲ 0.50% · 4.625%
HK$23,954
+HK$1,199/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,510/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,287
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,011
−HK$736/mo
Today · 4.125%
HK$24,747
baseline
▲ 0.50% · 4.625%
HK$26,253
+HK$1,506/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$49,494/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,906
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,601
−HK$705/mo
Today · 4.125%
HK$27,306
baseline
▲ 0.50% · 4.625%
HK$28,745
+HK$1,439/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$54,612/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,168
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,013
−HK$859/mo
Today · 4.125%
HK$28,872
baseline
▲ 0.50% · 4.625%
HK$30,628
+HK$1,756/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,744/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,224
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,035
−HK$822/mo
Today · 4.125%
HK$31,857
baseline
▲ 0.50% · 4.625%
HK$33,536
+HK$1,679/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,714/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,930
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,017
−HK$1,104/mo
Today · 4.125%
HK$37,121
baseline
▲ 0.50% · 4.625%
HK$39,379
+HK$2,258/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,242/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,859
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,902
−HK$1,057/mo
Today · 4.125%
HK$40,959
baseline
▲ 0.50% · 4.625%
HK$43,118
+HK$2,159/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,918/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,309 · 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).