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$19,453
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,058
−HK$615/mo
Today · 4.125%
HK$20,673
baseline
▲ 0.50% · 4.625%
HK$21,931
+HK$1,258/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,346/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,641
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,222
−HK$589/mo
Today · 4.125%
HK$22,811
baseline
▲ 0.50% · 4.625%
HK$24,013
+HK$1,202/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,622/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,344
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,070
−HK$738/mo
Today · 4.125%
HK$24,808
baseline
▲ 0.50% · 4.625%
HK$26,317
+HK$1,509/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,616/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,970
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,666
−HK$707/mo
Today · 4.125%
HK$27,373
baseline
▲ 0.50% · 4.625%
HK$28,816
+HK$1,443/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,746/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,234
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,081
−HK$861/mo
Today · 4.125%
HK$28,942
baseline
▲ 0.50% · 4.625%
HK$30,703
+HK$1,761/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,884/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$255,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,298
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,110
−HK$825/mo
Today · 4.125%
HK$31,935
baseline
▲ 0.50% · 4.625%
HK$33,618
+HK$1,683/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,870/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$255,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,016
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,105
−HK$1,106/mo
Today · 4.125%
HK$37,211
baseline
▲ 0.50% · 4.625%
HK$39,476
+HK$2,265/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$74,422/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,954
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$39,999
−HK$1,060/mo
Today · 4.125%
HK$41,059
baseline
▲ 0.50% · 4.625%
HK$43,223
+HK$2,164/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,118/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,933 · 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).