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$19,420
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,024
−HK$614/mo
Today · 4.125%
HK$20,638
baseline
▲ 0.50% · 4.625%
HK$21,893
+HK$1,255/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,276/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,604
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,184
−HK$588/mo
Today · 4.125%
HK$22,772
baseline
▲ 0.50% · 4.625%
HK$23,972
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,544/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,304
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,029
−HK$736/mo
Today · 4.125%
HK$24,765
baseline
▲ 0.50% · 4.625%
HK$26,272
+HK$1,507/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,530/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,925
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,621
−HK$705/mo
Today · 4.125%
HK$27,326
baseline
▲ 0.50% · 4.625%
HK$28,766
+HK$1,440/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,652/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,188
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,033
−HK$860/mo
Today · 4.125%
HK$28,893
baseline
▲ 0.50% · 4.625%
HK$30,651
+HK$1,758/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,786/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,246
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,057
−HK$823/mo
Today · 4.125%
HK$31,880
baseline
▲ 0.50% · 4.625%
HK$33,561
+HK$1,681/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,760/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,956
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,043
−HK$1,105/mo
Today · 4.125%
HK$37,148
baseline
▲ 0.50% · 4.625%
HK$39,408
+HK$2,260/mo
Deposit HK$852K · loan HK$7.66M · min. income ≈ HK$74,296/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,888
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,931
−HK$1,058/mo
Today · 4.125%
HK$40,989
baseline
▲ 0.50% · 4.625%
HK$43,149
+HK$2,160/mo
Deposit HK$852K · loan HK$7.66M · min. income ≈ HK$81,978/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,496 · 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).