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$19,450
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,055
−HK$615/mo
Today · 4.125%
HK$20,670
baseline
▲ 0.50% · 4.625%
HK$21,928
+HK$1,258/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,340/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,638
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,218
−HK$589/mo
Today · 4.125%
HK$22,807
baseline
▲ 0.50% · 4.625%
HK$24,009
+HK$1,202/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,614/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,340
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,066
−HK$738/mo
Today · 4.125%
HK$24,804
baseline
▲ 0.50% · 4.625%
HK$26,313
+HK$1,509/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,608/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,966
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,662
−HK$707/mo
Today · 4.125%
HK$27,369
baseline
▲ 0.50% · 4.625%
HK$28,811
+HK$1,442/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,738/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,230
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,077
−HK$861/mo
Today · 4.125%
HK$28,938
baseline
▲ 0.50% · 4.625%
HK$30,699
+HK$1,761/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,876/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,293
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,106
−HK$824/mo
Today · 4.125%
HK$31,930
baseline
▲ 0.50% · 4.625%
HK$33,613
+HK$1,683/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,860/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,010
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,099
−HK$1,107/mo
Today · 4.125%
HK$37,206
baseline
▲ 0.50% · 4.625%
HK$39,470
+HK$2,264/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$74,412/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,949
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,993
−HK$1,060/mo
Today · 4.125%
HK$41,053
baseline
▲ 0.50% · 4.625%
HK$43,217
+HK$2,164/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,106/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,895 · 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).