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$19,408
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,012
−HK$613/mo
Today · 4.125%
HK$20,625
baseline
▲ 0.50% · 4.625%
HK$21,880
+HK$1,255/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,250/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,591
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,170
−HK$588/mo
Today · 4.125%
HK$22,758
baseline
▲ 0.50% · 4.625%
HK$23,957
+HK$1,199/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,516/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,290
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,014
−HK$736/mo
Today · 4.125%
HK$24,750
baseline
▲ 0.50% · 4.625%
HK$26,256
+HK$1,506/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$49,500/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,909
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,604
−HK$705/mo
Today · 4.125%
HK$27,309
baseline
▲ 0.50% · 4.625%
HK$28,749
+HK$1,440/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$54,618/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,171
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,016
−HK$859/mo
Today · 4.125%
HK$28,875
baseline
▲ 0.50% · 4.625%
HK$30,632
+HK$1,757/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,750/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,228
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,038
−HK$823/mo
Today · 4.125%
HK$31,861
baseline
▲ 0.50% · 4.625%
HK$33,540
+HK$1,679/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,722/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,934
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,021
−HK$1,104/mo
Today · 4.125%
HK$37,125
baseline
▲ 0.50% · 4.625%
HK$39,384
+HK$2,259/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,250/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,864
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,906
−HK$1,058/mo
Today · 4.125%
HK$40,964
baseline
▲ 0.50% · 4.625%
HK$43,123
+HK$2,159/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,928/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,340 · 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).