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$19,425
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,029
−HK$614/mo
Today · 4.125%
HK$20,643
baseline
▲ 0.50% · 4.625%
HK$21,899
+HK$1,256/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,286/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,610
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,189
−HK$588/mo
Today · 4.125%
HK$22,777
baseline
▲ 0.50% · 4.625%
HK$23,978
+HK$1,201/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,554/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,310
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,035
−HK$736/mo
Today · 4.125%
HK$24,771
baseline
▲ 0.50% · 4.625%
HK$26,279
+HK$1,508/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,542/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,932
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,627
−HK$706/mo
Today · 4.125%
HK$27,333
baseline
▲ 0.50% · 4.625%
HK$28,774
+HK$1,441/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,666/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,195
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,041
−HK$859/mo
Today · 4.125%
HK$28,900
baseline
▲ 0.50% · 4.625%
HK$30,659
+HK$1,759/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$57,800/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,254
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,065
−HK$823/mo
Today · 4.125%
HK$31,888
baseline
▲ 0.50% · 4.625%
HK$33,569
+HK$1,681/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$63,776/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,965
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,052
−HK$1,105/mo
Today · 4.125%
HK$37,157
baseline
▲ 0.50% · 4.625%
HK$39,418
+HK$2,261/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,314/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,898
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,941
−HK$1,058/mo
Today · 4.125%
HK$40,999
baseline
▲ 0.50% · 4.625%
HK$43,160
+HK$2,161/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$81,998/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,561 · 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).