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$19,409
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,013
−HK$613/mo
Today · 4.125%
HK$20,626
baseline
▲ 0.50% · 4.625%
HK$21,881
+HK$1,255/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,252/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,593
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,172
−HK$587/mo
Today · 4.125%
HK$22,759
baseline
▲ 0.50% · 4.625%
HK$23,959
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,518/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,291
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,016
−HK$736/mo
Today · 4.125%
HK$24,752
baseline
▲ 0.50% · 4.625%
HK$26,258
+HK$1,506/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$49,504/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,911
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,606
−HK$705/mo
Today · 4.125%
HK$27,311
baseline
▲ 0.50% · 4.625%
HK$28,751
+HK$1,440/mo
Deposit HK$3.40M · loan HK$5.11M · min. income ≈ HK$54,622/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,173
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,018
−HK$859/mo
Today · 4.125%
HK$28,877
baseline
▲ 0.50% · 4.625%
HK$30,634
+HK$1,757/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,754/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,230
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,040
−HK$823/mo
Today · 4.125%
HK$31,863
baseline
▲ 0.50% · 4.625%
HK$33,542
+HK$1,679/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,726/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,937
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,023
−HK$1,104/mo
Today · 4.125%
HK$37,127
baseline
▲ 0.50% · 4.625%
HK$39,387
+HK$2,260/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,254/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,867
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,909
−HK$1,057/mo
Today · 4.125%
HK$40,966
baseline
▲ 0.50% · 4.625%
HK$43,126
+HK$2,160/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,932/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,356 · 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).