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$19,433
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,037
−HK$614/mo
Today · 4.125%
HK$20,651
baseline
▲ 0.50% · 4.625%
HK$21,908
+HK$1,257/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,302/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,619
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,199
−HK$588/mo
Today · 4.125%
HK$22,787
baseline
▲ 0.50% · 4.625%
HK$23,988
+HK$1,201/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,574/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,319
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,045
−HK$737/mo
Today · 4.125%
HK$24,782
baseline
▲ 0.50% · 4.625%
HK$26,290
+HK$1,508/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,564/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,943
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,638
−HK$706/mo
Today · 4.125%
HK$27,344
baseline
▲ 0.50% · 4.625%
HK$28,785
+HK$1,441/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,688/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,206
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,052
−HK$860/mo
Today · 4.125%
HK$28,912
baseline
▲ 0.50% · 4.625%
HK$30,671
+HK$1,759/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,824/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,266
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,078
−HK$823/mo
Today · 4.125%
HK$31,901
baseline
▲ 0.50% · 4.625%
HK$33,583
+HK$1,682/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,802/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,979
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,067
−HK$1,106/mo
Today · 4.125%
HK$37,173
baseline
▲ 0.50% · 4.625%
HK$39,434
+HK$2,261/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,346/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,914
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,957
−HK$1,059/mo
Today · 4.125%
HK$41,016
baseline
▲ 0.50% · 4.625%
HK$43,178
+HK$2,162/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$82,032/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,666 · 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).