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$19,429
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,033
−HK$614/mo
Today · 4.125%
HK$20,647
baseline
▲ 0.50% · 4.625%
HK$21,904
+HK$1,257/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,294/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,614
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,194
−HK$588/mo
Today · 4.125%
HK$22,782
baseline
▲ 0.50% · 4.625%
HK$23,983
+HK$1,201/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,564/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,315
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,040
−HK$737/mo
Today · 4.125%
HK$24,777
baseline
▲ 0.50% · 4.625%
HK$26,284
+HK$1,507/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,554/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,937
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,633
−HK$706/mo
Today · 4.125%
HK$27,339
baseline
▲ 0.50% · 4.625%
HK$28,780
+HK$1,441/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,678/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,200
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,046
−HK$860/mo
Today · 4.125%
HK$28,906
baseline
▲ 0.50% · 4.625%
HK$30,665
+HK$1,759/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$57,812/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,260
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,072
−HK$823/mo
Today · 4.125%
HK$31,895
baseline
▲ 0.50% · 4.625%
HK$33,576
+HK$1,681/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$63,790/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,972
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,060
−HK$1,105/mo
Today · 4.125%
HK$37,165
baseline
▲ 0.50% · 4.625%
HK$39,426
+HK$2,261/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,330/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,906
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,949
−HK$1,059/mo
Today · 4.125%
HK$41,008
baseline
▲ 0.50% · 4.625%
HK$43,169
+HK$2,161/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$82,016/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,615 · 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).