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$19,425
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,030
−HK$614/mo
Today · 4.125%
HK$20,644
baseline
▲ 0.50% · 4.625%
HK$21,900
+HK$1,256/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,288/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,611
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,190
−HK$588/mo
Today · 4.125%
HK$22,778
baseline
▲ 0.50% · 4.625%
HK$23,979
+HK$1,201/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,556/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,311
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,036
−HK$736/mo
Today · 4.125%
HK$24,772
baseline
▲ 0.50% · 4.625%
HK$26,280
+HK$1,508/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,544/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,933
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,628
−HK$706/mo
Today · 4.125%
HK$27,334
baseline
▲ 0.50% · 4.625%
HK$28,775
+HK$1,441/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,668/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,196
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,042
−HK$859/mo
Today · 4.125%
HK$28,901
baseline
▲ 0.50% · 4.625%
HK$30,660
+HK$1,759/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$57,802/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,255
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,066
−HK$823/mo
Today · 4.125%
HK$31,889
baseline
▲ 0.50% · 4.625%
HK$33,570
+HK$1,681/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$63,778/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,966
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,053
−HK$1,105/mo
Today · 4.125%
HK$37,158
baseline
▲ 0.50% · 4.625%
HK$39,419
+HK$2,261/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,316/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,899
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,942
−HK$1,059/mo
Today · 4.125%
HK$41,001
baseline
▲ 0.50% · 4.625%
HK$43,162
+HK$2,161/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$82,002/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,570 · 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).