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$19,434
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,038
−HK$615/mo
Today · 4.125%
HK$20,653
baseline
▲ 0.50% · 4.625%
HK$21,909
+HK$1,256/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,306/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,620
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,200
−HK$588/mo
Today · 4.125%
HK$22,788
baseline
▲ 0.50% · 4.625%
HK$23,989
+HK$1,201/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,576/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,321
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,046
−HK$737/mo
Today · 4.125%
HK$24,783
baseline
▲ 0.50% · 4.625%
HK$26,291
+HK$1,508/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,566/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,944
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,640
−HK$706/mo
Today · 4.125%
HK$27,346
baseline
▲ 0.50% · 4.625%
HK$28,787
+HK$1,441/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,692/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,208
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,054
−HK$860/mo
Today · 4.125%
HK$28,914
baseline
▲ 0.50% · 4.625%
HK$30,673
+HK$1,759/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,828/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,268
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,080
−HK$823/mo
Today · 4.125%
HK$31,903
baseline
▲ 0.50% · 4.625%
HK$33,585
+HK$1,682/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,806/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,981
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,069
−HK$1,106/mo
Today · 4.125%
HK$37,175
baseline
▲ 0.50% · 4.625%
HK$39,437
+HK$2,262/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,350/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,916
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,960
−HK$1,059/mo
Today · 4.125%
HK$41,019
baseline
▲ 0.50% · 4.625%
HK$43,181
+HK$2,162/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$82,038/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,681 · 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).