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$19,438
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,042
−HK$615/mo
Today · 4.125%
HK$20,657
baseline
▲ 0.50% · 4.625%
HK$21,914
+HK$1,257/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,314/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,624
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,204
−HK$589/mo
Today · 4.125%
HK$22,793
baseline
▲ 0.50% · 4.625%
HK$23,994
+HK$1,201/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,586/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,325
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,051
−HK$737/mo
Today · 4.125%
HK$24,788
baseline
▲ 0.50% · 4.625%
HK$26,296
+HK$1,508/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,576/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,949
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,645
−HK$706/mo
Today · 4.125%
HK$27,351
baseline
▲ 0.50% · 4.625%
HK$28,793
+HK$1,442/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,702/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,213
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,059
−HK$860/mo
Today · 4.125%
HK$28,919
baseline
▲ 0.50% · 4.625%
HK$30,679
+HK$1,760/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,838/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,274
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,086
−HK$824/mo
Today · 4.125%
HK$31,910
baseline
▲ 0.50% · 4.625%
HK$33,592
+HK$1,682/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,820/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,988
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,076
−HK$1,106/mo
Today · 4.125%
HK$37,182
baseline
▲ 0.50% · 4.625%
HK$39,444
+HK$2,262/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,364/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,924
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,968
−HK$1,059/mo
Today · 4.125%
HK$41,027
baseline
▲ 0.50% · 4.625%
HK$43,189
+HK$2,162/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$82,054/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,732 · 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).