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$19,416
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,020
−HK$613/mo
Today · 4.125%
HK$20,633
baseline
▲ 0.50% · 4.625%
HK$21,889
+HK$1,256/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,266/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,600
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,179
−HK$588/mo
Today · 4.125%
HK$22,767
baseline
▲ 0.50% · 4.625%
HK$23,967
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,534/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,299
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,024
−HK$736/mo
Today · 4.125%
HK$24,760
baseline
▲ 0.50% · 4.625%
HK$26,266
+HK$1,506/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,520/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,920
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,615
−HK$705/mo
Today · 4.125%
HK$27,320
baseline
▲ 0.50% · 4.625%
HK$28,760
+HK$1,440/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,640/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,182
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,027
−HK$859/mo
Today · 4.125%
HK$28,886
baseline
▲ 0.50% · 4.625%
HK$30,644
+HK$1,758/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,772/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,240
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,051
−HK$822/mo
Today · 4.125%
HK$31,873
baseline
▲ 0.50% · 4.625%
HK$33,553
+HK$1,680/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,746/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,948
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,035
−HK$1,105/mo
Today · 4.125%
HK$37,140
baseline
▲ 0.50% · 4.625%
HK$39,400
+HK$2,260/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,280/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,880
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,922
−HK$1,058/mo
Today · 4.125%
HK$40,980
baseline
▲ 0.50% · 4.625%
HK$43,140
+HK$2,160/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,960/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,441 · 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).