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$19,456
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,061
−HK$615/mo
Today · 4.125%
HK$20,676
baseline
▲ 0.50% · 4.625%
HK$21,934
+HK$1,258/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,352/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,645
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,225
−HK$589/mo
Today · 4.125%
HK$22,814
baseline
▲ 0.50% · 4.625%
HK$24,017
+HK$1,203/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,628/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,347
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,074
−HK$737/mo
Today · 4.125%
HK$24,811
baseline
▲ 0.50% · 4.625%
HK$26,321
+HK$1,510/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,622/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,974
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,670
−HK$707/mo
Today · 4.125%
HK$27,377
baseline
▲ 0.50% · 4.625%
HK$28,820
+HK$1,443/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,754/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,239
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,086
−HK$861/mo
Today · 4.125%
HK$28,947
baseline
▲ 0.50% · 4.625%
HK$30,708
+HK$1,761/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,894/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$255,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,303
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,115
−HK$825/mo
Today · 4.125%
HK$31,940
baseline
▲ 0.50% · 4.625%
HK$33,623
+HK$1,683/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,880/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$255,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,021
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,110
−HK$1,107/mo
Today · 4.125%
HK$37,217
baseline
▲ 0.50% · 4.625%
HK$39,482
+HK$2,265/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$74,434/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,960
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,005
−HK$1,060/mo
Today · 4.125%
HK$41,065
baseline
▲ 0.50% · 4.625%
HK$43,230
+HK$2,165/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,130/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,973 · 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).