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$19,419
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,023
−HK$614/mo
Today · 4.125%
HK$20,637
baseline
▲ 0.50% · 4.625%
HK$21,893
+HK$1,256/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,274/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,604
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,183
−HK$588/mo
Today · 4.125%
HK$22,771
baseline
▲ 0.50% · 4.625%
HK$23,971
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,542/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,303
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,028
−HK$736/mo
Today · 4.125%
HK$24,764
baseline
▲ 0.50% · 4.625%
HK$26,271
+HK$1,507/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,528/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,924
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,620
−HK$705/mo
Today · 4.125%
HK$27,325
baseline
▲ 0.50% · 4.625%
HK$28,765
+HK$1,440/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,650/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,187
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,032
−HK$860/mo
Today · 4.125%
HK$28,892
baseline
▲ 0.50% · 4.625%
HK$30,650
+HK$1,758/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,784/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,245
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,056
−HK$823/mo
Today · 4.125%
HK$31,879
baseline
▲ 0.50% · 4.625%
HK$33,559
+HK$1,680/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,758/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,954
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,042
−HK$1,104/mo
Today · 4.125%
HK$37,146
baseline
▲ 0.50% · 4.625%
HK$39,407
+HK$2,261/mo
Deposit HK$852K · loan HK$7.66M · min. income ≈ HK$74,292/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,886
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,929
−HK$1,058/mo
Today · 4.125%
HK$40,987
baseline
▲ 0.50% · 4.625%
HK$43,148
+HK$2,161/mo
Deposit HK$852K · loan HK$7.66M · min. income ≈ HK$81,974/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,486 · 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).