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$19,433
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,038
−HK$614/mo
Today · 4.125%
HK$20,652
baseline
▲ 0.50% · 4.625%
HK$21,908
+HK$1,256/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,304/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,619
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,199
−HK$588/mo
Today · 4.125%
HK$22,787
baseline
▲ 0.50% · 4.625%
HK$23,988
+HK$1,201/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,574/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,320
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,045
−HK$737/mo
Today · 4.125%
HK$24,782
baseline
▲ 0.50% · 4.625%
HK$26,290
+HK$1,508/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,564/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,943
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,639
−HK$706/mo
Today · 4.125%
HK$27,345
baseline
▲ 0.50% · 4.625%
HK$28,786
+HK$1,441/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,690/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,206
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,053
−HK$859/mo
Today · 4.125%
HK$28,912
baseline
▲ 0.50% · 4.625%
HK$30,672
+HK$1,760/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,824/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,267
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,078
−HK$824/mo
Today · 4.125%
HK$31,902
baseline
▲ 0.50% · 4.625%
HK$33,584
+HK$1,682/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,804/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,979
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,068
−HK$1,105/mo
Today · 4.125%
HK$37,173
baseline
▲ 0.50% · 4.625%
HK$39,435
+HK$2,262/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,346/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,914
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,958
−HK$1,059/mo
Today · 4.125%
HK$41,017
baseline
▲ 0.50% · 4.625%
HK$43,179
+HK$2,162/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$82,034/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,670 · 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).