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$19,412
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,016
−HK$614/mo
Today · 4.125%
HK$20,630
baseline
▲ 0.50% · 4.625%
HK$21,885
+HK$1,255/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,260/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,596
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,175
−HK$588/mo
Today · 4.125%
HK$22,763
baseline
▲ 0.50% · 4.625%
HK$23,963
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,526/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,295
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,019
−HK$737/mo
Today · 4.125%
HK$24,756
baseline
▲ 0.50% · 4.625%
HK$26,262
+HK$1,506/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,512/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,915
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,610
−HK$705/mo
Today · 4.125%
HK$27,315
baseline
▲ 0.50% · 4.625%
HK$28,755
+HK$1,440/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,630/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,177
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,023
−HK$858/mo
Today · 4.125%
HK$28,881
baseline
▲ 0.50% · 4.625%
HK$30,639
+HK$1,758/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,762/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,234
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,045
−HK$823/mo
Today · 4.125%
HK$31,868
baseline
▲ 0.50% · 4.625%
HK$33,548
+HK$1,680/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,736/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,942
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,029
−HK$1,104/mo
Today · 4.125%
HK$37,133
baseline
▲ 0.50% · 4.625%
HK$39,393
+HK$2,260/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,266/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,873
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,915
−HK$1,058/mo
Today · 4.125%
HK$40,973
baseline
▲ 0.50% · 4.625%
HK$43,133
+HK$2,160/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,946/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,396 · 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).