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$19,429
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,034
−HK$614/mo
Today · 4.125%
HK$20,648
baseline
▲ 0.50% · 4.625%
HK$21,904
+HK$1,256/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,296/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,615
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,194
−HK$589/mo
Today · 4.125%
HK$22,783
baseline
▲ 0.50% · 4.625%
HK$23,983
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,566/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,315
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,040
−HK$737/mo
Today · 4.125%
HK$24,777
baseline
▲ 0.50% · 4.625%
HK$26,285
+HK$1,508/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,554/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,938
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,633
−HK$706/mo
Today · 4.125%
HK$27,339
baseline
▲ 0.50% · 4.625%
HK$28,780
+HK$1,441/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,678/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,201
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,047
−HK$860/mo
Today · 4.125%
HK$28,907
baseline
▲ 0.50% · 4.625%
HK$30,665
+HK$1,758/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$57,814/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,261
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,072
−HK$824/mo
Today · 4.125%
HK$31,896
baseline
▲ 0.50% · 4.625%
HK$33,577
+HK$1,681/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$63,792/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,972
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,060
−HK$1,106/mo
Today · 4.125%
HK$37,166
baseline
▲ 0.50% · 4.625%
HK$39,427
+HK$2,261/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,332/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,907
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,950
−HK$1,059/mo
Today · 4.125%
HK$41,009
baseline
▲ 0.50% · 4.625%
HK$43,170
+HK$2,161/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$82,018/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,619 · 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).