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$19,422
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,026
−HK$614/mo
Today · 4.125%
HK$20,640
baseline
▲ 0.50% · 4.625%
HK$21,896
+HK$1,256/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,280/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,607
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,186
−HK$588/mo
Today · 4.125%
HK$22,774
baseline
▲ 0.50% · 4.625%
HK$23,974
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,548/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,306
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,031
−HK$737/mo
Today · 4.125%
HK$24,768
baseline
▲ 0.50% · 4.625%
HK$26,275
+HK$1,507/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,536/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,928
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,623
−HK$706/mo
Today · 4.125%
HK$27,329
baseline
▲ 0.50% · 4.625%
HK$28,769
+HK$1,440/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,658/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,191
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,036
−HK$860/mo
Today · 4.125%
HK$28,896
baseline
▲ 0.50% · 4.625%
HK$30,654
+HK$1,758/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$57,792/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,249
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,060
−HK$823/mo
Today · 4.125%
HK$31,883
baseline
▲ 0.50% · 4.625%
HK$33,564
+HK$1,681/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$63,766/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,959
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,047
−HK$1,105/mo
Today · 4.125%
HK$37,152
baseline
▲ 0.50% · 4.625%
HK$39,412
+HK$2,260/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,304/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,892
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,935
−HK$1,058/mo
Today · 4.125%
HK$40,993
baseline
▲ 0.50% · 4.625%
HK$43,154
+HK$2,161/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$81,986/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,522 · 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).