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$19,422
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,026
−HK$613/mo
Today · 4.125%
HK$20,639
baseline
▲ 0.50% · 4.625%
HK$21,895
+HK$1,256/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,278/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,606
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,186
−HK$588/mo
Today · 4.125%
HK$22,774
baseline
▲ 0.50% · 4.625%
HK$23,974
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,548/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,306
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,031
−HK$736/mo
Today · 4.125%
HK$24,767
baseline
▲ 0.50% · 4.625%
HK$26,274
+HK$1,507/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,534/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,928
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,623
−HK$705/mo
Today · 4.125%
HK$27,328
baseline
▲ 0.50% · 4.625%
HK$28,769
+HK$1,441/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,656/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,190
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,036
−HK$859/mo
Today · 4.125%
HK$28,895
baseline
▲ 0.50% · 4.625%
HK$30,653
+HK$1,758/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$57,790/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,249
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,060
−HK$823/mo
Today · 4.125%
HK$31,883
baseline
▲ 0.50% · 4.625%
HK$33,564
+HK$1,681/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$63,766/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,959
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,046
−HK$1,105/mo
Today · 4.125%
HK$37,151
baseline
▲ 0.50% · 4.625%
HK$39,412
+HK$2,261/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,302/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,891
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,934
−HK$1,058/mo
Today · 4.125%
HK$40,992
baseline
▲ 0.50% · 4.625%
HK$43,153
+HK$2,161/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$81,984/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,518 · 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).