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$19,424
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,028
−HK$614/mo
Today · 4.125%
HK$20,642
baseline
▲ 0.50% · 4.625%
HK$21,898
+HK$1,256/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,284/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,609
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,188
−HK$588/mo
Today · 4.125%
HK$22,776
baseline
▲ 0.50% · 4.625%
HK$23,977
+HK$1,201/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,552/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,308
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,033
−HK$737/mo
Today · 4.125%
HK$24,770
baseline
▲ 0.50% · 4.625%
HK$26,277
+HK$1,507/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,540/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,930
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,626
−HK$705/mo
Today · 4.125%
HK$27,331
baseline
▲ 0.50% · 4.625%
HK$28,772
+HK$1,441/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,662/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,193
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,039
−HK$859/mo
Today · 4.125%
HK$28,898
baseline
▲ 0.50% · 4.625%
HK$30,657
+HK$1,759/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$57,796/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,252
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,063
−HK$824/mo
Today · 4.125%
HK$31,887
baseline
▲ 0.50% · 4.625%
HK$33,567
+HK$1,680/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$63,774/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,963
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,050
−HK$1,105/mo
Today · 4.125%
HK$37,155
baseline
▲ 0.50% · 4.625%
HK$39,416
+HK$2,261/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,310/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,896
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,939
−HK$1,058/mo
Today · 4.125%
HK$40,997
baseline
▲ 0.50% · 4.625%
HK$43,158
+HK$2,161/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$81,994/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,546 · 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).