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$19,445
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,049
−HK$615/mo
Today · 4.125%
HK$20,664
baseline
▲ 0.50% · 4.625%
HK$21,921
+HK$1,257/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,328/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,632
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,212
−HK$589/mo
Today · 4.125%
HK$22,801
baseline
▲ 0.50% · 4.625%
HK$24,002
+HK$1,201/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,602/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,333
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,059
−HK$738/mo
Today · 4.125%
HK$24,797
baseline
▲ 0.50% · 4.625%
HK$26,305
+HK$1,508/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,594/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,958
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,654
−HK$707/mo
Today · 4.125%
HK$27,361
baseline
▲ 0.50% · 4.625%
HK$28,803
+HK$1,442/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,722/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,222
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,069
−HK$860/mo
Today · 4.125%
HK$28,929
baseline
▲ 0.50% · 4.625%
HK$30,690
+HK$1,761/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,858/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,285
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,097
−HK$824/mo
Today · 4.125%
HK$31,921
baseline
▲ 0.50% · 4.625%
HK$33,603
+HK$1,682/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,842/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,000
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,089
−HK$1,106/mo
Today · 4.125%
HK$37,195
baseline
▲ 0.50% · 4.625%
HK$39,458
+HK$2,263/mo
Deposit HK$853K · loan HK$7.67M · min. income ≈ HK$74,390/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,937
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,982
−HK$1,059/mo
Today · 4.125%
HK$41,041
baseline
▲ 0.50% · 4.625%
HK$43,204
+HK$2,163/mo
Deposit HK$853K · loan HK$7.67M · min. income ≈ HK$82,082/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,821 · 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).