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$19,445
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,050
−HK$615/mo
Today · 4.125%
HK$20,665
baseline
▲ 0.50% · 4.625%
HK$21,922
+HK$1,257/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,330/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,633
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,213
−HK$589/mo
Today · 4.125%
HK$22,802
baseline
▲ 0.50% · 4.625%
HK$24,003
+HK$1,201/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,604/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,334
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,060
−HK$738/mo
Today · 4.125%
HK$24,798
baseline
▲ 0.50% · 4.625%
HK$26,307
+HK$1,509/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,596/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,959
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,656
−HK$706/mo
Today · 4.125%
HK$27,362
baseline
▲ 0.50% · 4.625%
HK$28,804
+HK$1,442/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,724/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,224
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,070
−HK$861/mo
Today · 4.125%
HK$28,931
baseline
▲ 0.50% · 4.625%
HK$30,691
+HK$1,760/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,862/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,286
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,098
−HK$824/mo
Today · 4.125%
HK$31,922
baseline
▲ 0.50% · 4.625%
HK$33,605
+HK$1,683/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,844/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,002
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,090
−HK$1,107/mo
Today · 4.125%
HK$37,197
baseline
▲ 0.50% · 4.625%
HK$39,460
+HK$2,263/mo
Deposit HK$853K · loan HK$7.67M · min. income ≈ HK$74,394/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,939
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,983
−HK$1,060/mo
Today · 4.125%
HK$41,043
baseline
▲ 0.50% · 4.625%
HK$43,206
+HK$2,163/mo
Deposit HK$853K · loan HK$7.67M · min. income ≈ HK$82,086/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,832 · 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).