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$19,435
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,040
−HK$614/mo
Today · 4.125%
HK$20,654
baseline
▲ 0.50% · 4.625%
HK$21,911
+HK$1,257/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,308/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,621
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,201
−HK$588/mo
Today · 4.125%
HK$22,789
baseline
▲ 0.50% · 4.625%
HK$23,991
+HK$1,202/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,578/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,322
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,048
−HK$737/mo
Today · 4.125%
HK$24,785
baseline
▲ 0.50% · 4.625%
HK$26,293
+HK$1,508/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,570/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,946
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,641
−HK$706/mo
Today · 4.125%
HK$27,347
baseline
▲ 0.50% · 4.625%
HK$28,789
+HK$1,442/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,694/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,209
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,055
−HK$860/mo
Today · 4.125%
HK$28,915
baseline
▲ 0.50% · 4.625%
HK$30,675
+HK$1,760/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,830/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,270
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,082
−HK$823/mo
Today · 4.125%
HK$31,905
baseline
▲ 0.50% · 4.625%
HK$33,587
+HK$1,682/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,810/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,983
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,071
−HK$1,106/mo
Today · 4.125%
HK$37,177
baseline
▲ 0.50% · 4.625%
HK$39,439
+HK$2,262/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,354/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,918
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,962
−HK$1,059/mo
Today · 4.125%
HK$41,021
baseline
▲ 0.50% · 4.625%
HK$43,183
+HK$2,162/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$82,042/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,696 · 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).