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$19,439
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,044
−HK$614/mo
Today · 4.125%
HK$20,658
baseline
▲ 0.50% · 4.625%
HK$21,915
+HK$1,257/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,316/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,626
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,206
−HK$588/mo
Today · 4.125%
HK$22,794
baseline
▲ 0.50% · 4.625%
HK$23,996
+HK$1,202/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,588/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,327
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,053
−HK$737/mo
Today · 4.125%
HK$24,790
baseline
▲ 0.50% · 4.625%
HK$26,298
+HK$1,508/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,580/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,951
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,647
−HK$706/mo
Today · 4.125%
HK$27,353
baseline
▲ 0.50% · 4.625%
HK$28,795
+HK$1,442/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,706/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,215
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,062
−HK$860/mo
Today · 4.125%
HK$28,922
baseline
▲ 0.50% · 4.625%
HK$30,682
+HK$1,760/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,844/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,277
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,089
−HK$823/mo
Today · 4.125%
HK$31,912
baseline
▲ 0.50% · 4.625%
HK$33,594
+HK$1,682/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,824/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,991
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,079
−HK$1,106/mo
Today · 4.125%
HK$37,185
baseline
▲ 0.50% · 4.625%
HK$39,448
+HK$2,263/mo
Deposit HK$853K · loan HK$7.67M · min. income ≈ HK$74,370/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,927
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,971
−HK$1,059/mo
Today · 4.125%
HK$41,030
baseline
▲ 0.50% · 4.625%
HK$43,193
+HK$2,163/mo
Deposit HK$853K · loan HK$7.67M · min. income ≈ HK$82,060/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,753 · 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).