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$19,438
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,043
−HK$614/mo
Today · 4.125%
HK$20,657
baseline
▲ 0.50% · 4.625%
HK$21,914
+HK$1,257/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,314/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,625
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,205
−HK$588/mo
Today · 4.125%
HK$22,793
baseline
▲ 0.50% · 4.625%
HK$23,995
+HK$1,202/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,586/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,326
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,051
−HK$738/mo
Today · 4.125%
HK$24,789
baseline
▲ 0.50% · 4.625%
HK$26,297
+HK$1,508/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,578/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,950
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,646
−HK$706/mo
Today · 4.125%
HK$27,352
baseline
▲ 0.50% · 4.625%
HK$28,793
+HK$1,441/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,704/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,213
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,060
−HK$860/mo
Today · 4.125%
HK$28,920
baseline
▲ 0.50% · 4.625%
HK$30,680
+HK$1,760/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,840/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,275
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,087
−HK$823/mo
Today · 4.125%
HK$31,910
baseline
▲ 0.50% · 4.625%
HK$33,592
+HK$1,682/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,820/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,989
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,077
−HK$1,106/mo
Today · 4.125%
HK$37,183
baseline
▲ 0.50% · 4.625%
HK$39,445
+HK$2,262/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,366/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,925
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,968
−HK$1,060/mo
Today · 4.125%
HK$41,028
baseline
▲ 0.50% · 4.625%
HK$43,190
+HK$2,162/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$82,056/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,737 · 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).