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$19,458
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,063
−HK$615/mo
Today · 4.125%
HK$20,678
baseline
▲ 0.50% · 4.625%
HK$21,936
+HK$1,258/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,356/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,647
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,227
−HK$589/mo
Today · 4.125%
HK$22,816
baseline
▲ 0.50% · 4.625%
HK$24,019
+HK$1,203/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,632/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,349
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,076
−HK$738/mo
Today · 4.125%
HK$24,814
baseline
▲ 0.50% · 4.625%
HK$26,323
+HK$1,509/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,628/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,976
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,673
−HK$706/mo
Today · 4.125%
HK$27,379
baseline
▲ 0.50% · 4.625%
HK$28,822
+HK$1,443/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,758/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,241
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,088
−HK$861/mo
Today · 4.125%
HK$28,949
baseline
▲ 0.50% · 4.625%
HK$30,711
+HK$1,762/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,898/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$255,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,305
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,118
−HK$825/mo
Today · 4.125%
HK$31,943
baseline
▲ 0.50% · 4.625%
HK$33,626
+HK$1,683/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,886/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$255,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,024
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,113
−HK$1,107/mo
Today · 4.125%
HK$37,220
baseline
▲ 0.50% · 4.625%
HK$39,485
+HK$2,265/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$74,440/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,964
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,009
−HK$1,060/mo
Today · 4.125%
HK$41,069
baseline
▲ 0.50% · 4.625%
HK$43,234
+HK$2,165/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,138/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,995 · 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).