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$19,426
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,030
−HK$614/mo
Today · 4.125%
HK$20,644
baseline
▲ 0.50% · 4.625%
HK$21,901
+HK$1,257/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,288/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,611
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,191
−HK$588/mo
Today · 4.125%
HK$22,779
baseline
▲ 0.50% · 4.625%
HK$23,980
+HK$1,201/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,558/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,311
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,037
−HK$736/mo
Today · 4.125%
HK$24,773
baseline
▲ 0.50% · 4.625%
HK$26,281
+HK$1,508/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,546/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,934
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,629
−HK$706/mo
Today · 4.125%
HK$27,335
baseline
▲ 0.50% · 4.625%
HK$28,776
+HK$1,441/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,670/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,197
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,043
−HK$859/mo
Today · 4.125%
HK$28,902
baseline
▲ 0.50% · 4.625%
HK$30,661
+HK$1,759/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$57,804/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,256
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,068
−HK$823/mo
Today · 4.125%
HK$31,891
baseline
▲ 0.50% · 4.625%
HK$33,572
+HK$1,681/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$63,782/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,967
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,055
−HK$1,105/mo
Today · 4.125%
HK$37,160
baseline
▲ 0.50% · 4.625%
HK$39,421
+HK$2,261/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,320/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,901
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,944
−HK$1,058/mo
Today · 4.125%
HK$41,002
baseline
▲ 0.50% · 4.625%
HK$43,164
+HK$2,162/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$82,004/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,580 · 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).