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$19,452
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,057
−HK$615/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$255,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,640
−HK$1,170/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$255,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,343
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,069
−HK$737/mo
Today · 4.125%
HK$24,806
baseline
▲ 0.50% · 4.625%
HK$26,316
+HK$1,510/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,612/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,968
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,665
−HK$706/mo
Today · 4.125%
HK$27,371
baseline
▲ 0.50% · 4.625%
HK$28,814
+HK$1,443/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,742/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,233
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,080
−HK$861/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$255,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,297
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,109
−HK$824/mo
Today · 4.125%
HK$31,933
baseline
▲ 0.50% · 4.625%
HK$33,617
+HK$1,684/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,866/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$255,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,014
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,103
−HK$1,107/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$255,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,953
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,997
−HK$1,060/mo
Today · 4.125%
HK$41,057
baseline
▲ 0.50% · 4.625%
HK$43,221
+HK$2,164/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,114/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,922 · 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).