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$19,455
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,061
−HK$614/mo
Today · 4.125%
HK$20,675
baseline
▲ 0.50% · 4.625%
HK$21,934
+HK$1,259/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,350/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,644
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,224
−HK$589/mo
Today · 4.125%
HK$22,813
baseline
▲ 0.50% · 4.625%
HK$24,016
+HK$1,203/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,626/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,347
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,073
−HK$738/mo
Today · 4.125%
HK$24,811
baseline
▲ 0.50% · 4.625%
HK$26,320
+HK$1,509/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,622/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,973
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,669
−HK$707/mo
Today · 4.125%
HK$27,376
baseline
▲ 0.50% · 4.625%
HK$28,819
+HK$1,443/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,752/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,238
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,085
−HK$861/mo
Today · 4.125%
HK$28,946
baseline
▲ 0.50% · 4.625%
HK$30,707
+HK$1,761/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,892/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$255,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,302
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,114
−HK$825/mo
Today · 4.125%
HK$31,939
baseline
▲ 0.50% · 4.625%
HK$33,622
+HK$1,683/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,878/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$255,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,020
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,109
−HK$1,107/mo
Today · 4.125%
HK$37,216
baseline
▲ 0.50% · 4.625%
HK$39,480
+HK$2,264/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$74,432/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,959
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,004
−HK$1,060/mo
Today · 4.125%
HK$41,064
baseline
▲ 0.50% · 4.625%
HK$43,229
+HK$2,165/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,128/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,965 · 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).