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$19,447
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,052
−HK$615/mo
Today · 4.125%
HK$20,667
baseline
▲ 0.50% · 4.625%
HK$21,925
+HK$1,258/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,334/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,635
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,215
−HK$589/mo
Today · 4.125%
HK$22,804
baseline
▲ 0.50% · 4.625%
HK$24,006
+HK$1,202/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,608/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,337
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,063
−HK$737/mo
Today · 4.125%
HK$24,800
baseline
▲ 0.50% · 4.625%
HK$26,309
+HK$1,509/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,600/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,962
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,658
−HK$707/mo
Today · 4.125%
HK$27,365
baseline
▲ 0.50% · 4.625%
HK$28,807
+HK$1,442/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,730/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,226
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,073
−HK$861/mo
Today · 4.125%
HK$28,934
baseline
▲ 0.50% · 4.625%
HK$30,694
+HK$1,760/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,868/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,289
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,101
−HK$825/mo
Today · 4.125%
HK$31,926
baseline
▲ 0.50% · 4.625%
HK$33,608
+HK$1,682/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,852/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,005
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,094
−HK$1,107/mo
Today · 4.125%
HK$37,201
baseline
▲ 0.50% · 4.625%
HK$39,464
+HK$2,263/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$74,402/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,943
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,988
−HK$1,059/mo
Today · 4.125%
HK$41,047
baseline
▲ 0.50% · 4.625%
HK$43,211
+HK$2,164/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,094/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,859 · 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).