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$19,430
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,035
−HK$614/mo
Today · 4.125%
HK$20,649
baseline
▲ 0.50% · 4.625%
HK$21,905
+HK$1,256/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,298/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,616
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,196
−HK$588/mo
Today · 4.125%
HK$22,784
baseline
▲ 0.50% · 4.625%
HK$23,985
+HK$1,201/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,568/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,316
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,042
−HK$737/mo
Today · 4.125%
HK$24,779
baseline
▲ 0.50% · 4.625%
HK$26,286
+HK$1,507/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,558/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,939
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,635
−HK$706/mo
Today · 4.125%
HK$27,341
baseline
▲ 0.50% · 4.625%
HK$28,782
+HK$1,441/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,682/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,203
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,049
−HK$859/mo
Today · 4.125%
HK$28,908
baseline
▲ 0.50% · 4.625%
HK$30,667
+HK$1,759/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$57,816/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,263
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,074
−HK$824/mo
Today · 4.125%
HK$31,898
baseline
▲ 0.50% · 4.625%
HK$33,579
+HK$1,681/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$63,796/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,975
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,063
−HK$1,105/mo
Today · 4.125%
HK$37,168
baseline
▲ 0.50% · 4.625%
HK$39,430
+HK$2,262/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,336/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,909
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,953
−HK$1,058/mo
Today · 4.125%
HK$41,011
baseline
▲ 0.50% · 4.625%
HK$43,173
+HK$2,162/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$82,022/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,635 · 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).