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$19,455
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,060
−HK$615/mo
Today · 4.125%
HK$20,675
baseline
▲ 0.50% · 4.625%
HK$21,933
+HK$1,258/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,350/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,643
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,224
−HK$589/mo
Today · 4.125%
HK$22,813
baseline
▲ 0.50% · 4.625%
HK$24,015
+HK$1,202/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,626/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,346
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,072
−HK$738/mo
Today · 4.125%
HK$24,810
baseline
▲ 0.50% · 4.625%
HK$26,319
+HK$1,509/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,620/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,972
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,669
−HK$706/mo
Today · 4.125%
HK$27,375
baseline
▲ 0.50% · 4.625%
HK$28,818
+HK$1,443/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,750/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,237
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,084
−HK$861/mo
Today · 4.125%
HK$28,945
baseline
▲ 0.50% · 4.625%
HK$30,706
+HK$1,761/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,890/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$255,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,301
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,113
−HK$825/mo
Today · 4.125%
HK$31,938
baseline
▲ 0.50% · 4.625%
HK$33,621
+HK$1,683/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,876/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$255,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,019
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,108
−HK$1,107/mo
Today · 4.125%
HK$37,215
baseline
▲ 0.50% · 4.625%
HK$39,479
+HK$2,264/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$74,430/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,958
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,003
−HK$1,060/mo
Today · 4.125%
HK$41,063
baseline
▲ 0.50% · 4.625%
HK$43,227
+HK$2,164/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,126/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,957 · 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).