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$19,450
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,055
−HK$614/mo
Today · 4.125%
HK$20,669
baseline
▲ 0.50% · 4.625%
HK$21,927
+HK$1,258/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,338/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,637
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,218
−HK$588/mo
Today · 4.125%
HK$22,806
baseline
▲ 0.50% · 4.625%
HK$24,009
+HK$1,203/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,612/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,339
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,065
−HK$738/mo
Today · 4.125%
HK$24,803
baseline
▲ 0.50% · 4.625%
HK$26,312
+HK$1,509/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,606/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,965
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,661
−HK$707/mo
Today · 4.125%
HK$27,368
baseline
▲ 0.50% · 4.625%
HK$28,810
+HK$1,442/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,736/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,229
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,076
−HK$861/mo
Today · 4.125%
HK$28,937
baseline
▲ 0.50% · 4.625%
HK$30,698
+HK$1,761/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,874/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,292
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,105
−HK$824/mo
Today · 4.125%
HK$31,929
baseline
▲ 0.50% · 4.625%
HK$33,612
+HK$1,683/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,858/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,009
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,098
−HK$1,107/mo
Today · 4.125%
HK$37,205
baseline
▲ 0.50% · 4.625%
HK$39,468
+HK$2,263/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$74,410/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,947
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$39,992
−HK$1,060/mo
Today · 4.125%
HK$41,052
baseline
▲ 0.50% · 4.625%
HK$43,215
+HK$2,163/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,104/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,886 · 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).