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$19,453
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,058
−HK$614/mo
Today · 4.125%
HK$20,672
baseline
▲ 0.50% · 4.625%
HK$21,930
+HK$1,258/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,344/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,641
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,221
−HK$589/mo
Today · 4.125%
HK$22,810
baseline
▲ 0.50% · 4.625%
HK$24,012
+HK$1,202/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,620/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,343
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,069
−HK$738/mo
Today · 4.125%
HK$24,807
baseline
▲ 0.50% · 4.625%
HK$26,316
+HK$1,509/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,614/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,969
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,665
−HK$707/mo
Today · 4.125%
HK$27,372
baseline
▲ 0.50% · 4.625%
HK$28,815
+HK$1,443/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,744/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,234
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,081
−HK$860/mo
Today · 4.125%
HK$28,941
baseline
▲ 0.50% · 4.625%
HK$30,702
+HK$1,761/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,882/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$255,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,297
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,110
−HK$824/mo
Today · 4.125%
HK$31,934
baseline
▲ 0.50% · 4.625%
HK$33,617
+HK$1,683/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,868/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$255,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,015
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,104
−HK$1,106/mo
Today · 4.125%
HK$37,210
baseline
▲ 0.50% · 4.625%
HK$39,474
+HK$2,264/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$74,420/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,953
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$39,998
−HK$1,060/mo
Today · 4.125%
HK$41,058
baseline
▲ 0.50% · 4.625%
HK$43,222
+HK$2,164/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,116/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,926 · 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).