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$19,441
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,046
−HK$615/mo
Today · 4.125%
HK$20,661
baseline
▲ 0.50% · 4.625%
HK$21,918
+HK$1,257/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,322/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,628
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,208
−HK$589/mo
Today · 4.125%
HK$22,797
baseline
▲ 0.50% · 4.625%
HK$23,999
+HK$1,202/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,594/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,330
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,055
−HK$738/mo
Today · 4.125%
HK$24,793
baseline
▲ 0.50% · 4.625%
HK$26,301
+HK$1,508/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,586/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,954
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,650
−HK$706/mo
Today · 4.125%
HK$27,356
baseline
▲ 0.50% · 4.625%
HK$28,798
+HK$1,442/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,712/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,218
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,065
−HK$860/mo
Today · 4.125%
HK$28,925
baseline
▲ 0.50% · 4.625%
HK$30,685
+HK$1,760/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,850/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,280
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,092
−HK$824/mo
Today · 4.125%
HK$31,916
baseline
▲ 0.50% · 4.625%
HK$33,598
+HK$1,682/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,832/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,994
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,083
−HK$1,106/mo
Today · 4.125%
HK$37,189
baseline
▲ 0.50% · 4.625%
HK$39,452
+HK$2,263/mo
Deposit HK$853K · loan HK$7.67M · min. income ≈ HK$74,378/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,931
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,975
−HK$1,059/mo
Today · 4.125%
HK$41,034
baseline
▲ 0.50% · 4.625%
HK$43,197
+HK$2,163/mo
Deposit HK$853K · loan HK$7.67M · min. income ≈ HK$82,068/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,779 · 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).