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$19,440
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,045
−HK$614/mo
Today · 4.125%
HK$20,659
baseline
▲ 0.50% · 4.625%
HK$21,916
+HK$1,257/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,318/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,627
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,207
−HK$589/mo
Today · 4.125%
HK$22,796
baseline
▲ 0.50% · 4.625%
HK$23,997
+HK$1,201/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,592/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,328
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,054
−HK$737/mo
Today · 4.125%
HK$24,791
baseline
▲ 0.50% · 4.625%
HK$26,300
+HK$1,509/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,582/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,953
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,649
−HK$706/mo
Today · 4.125%
HK$27,355
baseline
▲ 0.50% · 4.625%
HK$28,797
+HK$1,442/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,710/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,216
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,063
−HK$860/mo
Today · 4.125%
HK$28,923
baseline
▲ 0.50% · 4.625%
HK$30,683
+HK$1,760/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,846/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,278
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,090
−HK$824/mo
Today · 4.125%
HK$31,914
baseline
▲ 0.50% · 4.625%
HK$33,596
+HK$1,682/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,828/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,993
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,081
−HK$1,106/mo
Today · 4.125%
HK$37,187
baseline
▲ 0.50% · 4.625%
HK$39,450
+HK$2,263/mo
Deposit HK$853K · loan HK$7.67M · min. income ≈ HK$74,374/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,929
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,973
−HK$1,059/mo
Today · 4.125%
HK$41,032
baseline
▲ 0.50% · 4.625%
HK$43,195
+HK$2,163/mo
Deposit HK$853K · loan HK$7.67M · min. income ≈ HK$82,064/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,765 · 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).