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$19,449
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,054
−HK$615/mo
Today · 4.125%
HK$20,669
baseline
▲ 0.50% · 4.625%
HK$21,926
+HK$1,257/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$255,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,637
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,217
−HK$589/mo
Today · 4.125%
HK$22,806
baseline
▲ 0.50% · 4.625%
HK$24,008
+HK$1,202/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$255,882 · 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$255,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,964
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,661
−HK$706/mo
Today · 4.125%
HK$27,367
baseline
▲ 0.50% · 4.625%
HK$28,810
+HK$1,443/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,734/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,229
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,076
−HK$860/mo
Today · 4.125%
HK$28,936
baseline
▲ 0.50% · 4.625%
HK$30,697
+HK$1,761/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,872/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,292
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,104
−HK$824/mo
Today · 4.125%
HK$31,928
baseline
▲ 0.50% · 4.625%
HK$33,611
+HK$1,683/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,856/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,008
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,097
−HK$1,107/mo
Today · 4.125%
HK$37,204
baseline
▲ 0.50% · 4.625%
HK$39,468
+HK$2,264/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$74,408/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,947
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,991
−HK$1,060/mo
Today · 4.125%
HK$41,051
baseline
▲ 0.50% · 4.625%
HK$43,215
+HK$2,164/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,102/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,882 · 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).