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$20,011
−HK$614/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$255,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,591
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,170
−HK$587/mo
Today · 4.125%
HK$22,757
baseline
▲ 0.50% · 4.625%
HK$23,957
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,514/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,289
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,014
−HK$736/mo
Today · 4.125%
HK$24,750
baseline
▲ 0.50% · 4.625%
HK$26,255
+HK$1,505/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$255,335 · 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$28,748
+HK$1,439/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$255,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,171
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,016
−HK$858/mo
Today · 4.125%
HK$28,874
baseline
▲ 0.50% · 4.625%
HK$30,631
+HK$1,757/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,748/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,227
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,038
−HK$822/mo
Today · 4.125%
HK$31,860
baseline
▲ 0.50% · 4.625%
HK$33,540
+HK$1,680/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,720/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,934
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,020
−HK$1,104/mo
Today · 4.125%
HK$37,124
baseline
▲ 0.50% · 4.625%
HK$39,383
+HK$2,259/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,248/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,863
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,906
−HK$1,057/mo
Today · 4.125%
HK$40,963
baseline
▲ 0.50% · 4.625%
HK$43,122
+HK$2,159/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,926/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,335 · 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).