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$19,417
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,021
−HK$614/mo
Today · 4.125%
HK$20,635
baseline
▲ 0.50% · 4.625%
HK$21,890
+HK$1,255/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,270/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,601
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,180
−HK$588/mo
Today · 4.125%
HK$22,768
baseline
▲ 0.50% · 4.625%
HK$23,968
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,536/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,300
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,025
−HK$736/mo
Today · 4.125%
HK$24,761
baseline
▲ 0.50% · 4.625%
HK$26,268
+HK$1,507/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$255,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,921
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,617
−HK$705/mo
Today · 4.125%
HK$27,322
baseline
▲ 0.50% · 4.625%
HK$28,762
+HK$1,440/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,644/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,184
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,029
−HK$859/mo
Today · 4.125%
HK$28,888
baseline
▲ 0.50% · 4.625%
HK$30,646
+HK$1,758/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,776/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,242
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,053
−HK$822/mo
Today · 4.125%
HK$31,875
baseline
▲ 0.50% · 4.625%
HK$33,556
+HK$1,681/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,750/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,950
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,038
−HK$1,104/mo
Today · 4.125%
HK$37,142
baseline
▲ 0.50% · 4.625%
HK$39,402
+HK$2,260/mo
Deposit HK$852K · loan HK$7.66M · min. income ≈ HK$74,284/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,882
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,925
−HK$1,058/mo
Today · 4.125%
HK$40,983
baseline
▲ 0.50% · 4.625%
HK$43,143
+HK$2,160/mo
Deposit HK$852K · loan HK$7.66M · min. income ≈ HK$81,966/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,458 · 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).