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$19,436
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,040
−HK$615/mo
Today · 4.125%
HK$20,655
baseline
▲ 0.50% · 4.625%
HK$21,911
+HK$1,256/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,310/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,622
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,202
−HK$588/mo
Today · 4.125%
HK$22,790
baseline
▲ 0.50% · 4.625%
HK$23,992
+HK$1,202/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,580/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,323
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,049
−HK$737/mo
Today · 4.125%
HK$24,786
baseline
▲ 0.50% · 4.625%
HK$26,294
+HK$1,508/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,572/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,947
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,643
−HK$706/mo
Today · 4.125%
HK$27,349
baseline
▲ 0.50% · 4.625%
HK$28,790
+HK$1,441/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,698/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,210
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,057
−HK$860/mo
Today · 4.125%
HK$28,917
baseline
▲ 0.50% · 4.625%
HK$30,676
+HK$1,759/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,834/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,271
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,083
−HK$824/mo
Today · 4.125%
HK$31,907
baseline
▲ 0.50% · 4.625%
HK$33,588
+HK$1,681/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,814/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,985
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,073
−HK$1,105/mo
Today · 4.125%
HK$37,178
baseline
▲ 0.50% · 4.625%
HK$39,441
+HK$2,263/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,356/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,920
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,964
−HK$1,059/mo
Today · 4.125%
HK$41,023
baseline
▲ 0.50% · 4.625%
HK$43,185
+HK$2,162/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$82,046/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,707 · 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).