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$19,416
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,020
−HK$614/mo
Today · 4.125%
HK$20,634
baseline
▲ 0.50% · 4.625%
HK$21,889
+HK$1,255/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,268/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,600
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,180
−HK$587/mo
Today · 4.125%
HK$22,767
baseline
▲ 0.50% · 4.625%
HK$23,968
+HK$1,201/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,534/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,300
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,024
−HK$737/mo
Today · 4.125%
HK$24,761
baseline
▲ 0.50% · 4.625%
HK$26,267
+HK$1,506/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,522/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,921
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,616
−HK$705/mo
Today · 4.125%
HK$27,321
baseline
▲ 0.50% · 4.625%
HK$28,761
+HK$1,440/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,642/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,183
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,028
−HK$859/mo
Today · 4.125%
HK$28,887
baseline
▲ 0.50% · 4.625%
HK$30,645
+HK$1,758/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,774/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,241
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,052
−HK$822/mo
Today · 4.125%
HK$31,874
baseline
▲ 0.50% · 4.625%
HK$33,555
+HK$1,681/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,748/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,949
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,036
−HK$1,105/mo
Today · 4.125%
HK$37,141
baseline
▲ 0.50% · 4.625%
HK$39,401
+HK$2,260/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,282/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,881
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,924
−HK$1,057/mo
Today · 4.125%
HK$40,981
baseline
▲ 0.50% · 4.625%
HK$43,142
+HK$2,161/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,962/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,450 · 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).