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$19,451
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,056
−HK$615/mo
Today · 4.125%
HK$20,671
baseline
▲ 0.50% · 4.625%
HK$21,929
+HK$1,258/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,342/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,639
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,220
−HK$588/mo
Today · 4.125%
HK$22,808
baseline
▲ 0.50% · 4.625%
HK$24,011
+HK$1,203/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,616/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,342
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,068
−HK$737/mo
Today · 4.125%
HK$24,805
baseline
▲ 0.50% · 4.625%
HK$26,315
+HK$1,510/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,610/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,967
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,664
−HK$706/mo
Today · 4.125%
HK$27,370
baseline
▲ 0.50% · 4.625%
HK$28,813
+HK$1,443/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,740/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,232
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,079
−HK$860/mo
Today · 4.125%
HK$28,939
baseline
▲ 0.50% · 4.625%
HK$30,700
+HK$1,761/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,878/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$255,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,295
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,108
−HK$824/mo
Today · 4.125%
HK$31,932
baseline
▲ 0.50% · 4.625%
HK$33,615
+HK$1,683/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,864/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$255,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,012
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,101
−HK$1,107/mo
Today · 4.125%
HK$37,208
baseline
▲ 0.50% · 4.625%
HK$39,472
+HK$2,264/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$74,416/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,951
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,996
−HK$1,059/mo
Today · 4.125%
HK$41,055
baseline
▲ 0.50% · 4.625%
HK$43,219
+HK$2,164/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,110/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,910 · 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).