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$19,449
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,054
−HK$614/mo
Today · 4.125%
HK$20,668
baseline
▲ 0.50% · 4.625%
HK$21,926
+HK$1,258/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,336/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,636
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,217
−HK$588/mo
Today · 4.125%
HK$22,805
baseline
▲ 0.50% · 4.625%
HK$24,007
+HK$1,202/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,610/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,338
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,064
−HK$738/mo
Today · 4.125%
HK$24,802
baseline
▲ 0.50% · 4.625%
HK$26,311
+HK$1,509/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,604/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,964
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,660
−HK$706/mo
Today · 4.125%
HK$27,366
baseline
▲ 0.50% · 4.625%
HK$28,809
+HK$1,443/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,732/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,228
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,075
−HK$860/mo
Today · 4.125%
HK$28,935
baseline
▲ 0.50% · 4.625%
HK$30,696
+HK$1,761/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,870/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,291
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,103
−HK$824/mo
Today · 4.125%
HK$31,927
baseline
▲ 0.50% · 4.625%
HK$33,610
+HK$1,683/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,854/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,007
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,096
−HK$1,107/mo
Today · 4.125%
HK$37,203
baseline
▲ 0.50% · 4.625%
HK$39,466
+HK$2,263/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$74,406/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,945
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$39,990
−HK$1,060/mo
Today · 4.125%
HK$41,050
baseline
▲ 0.50% · 4.625%
HK$43,213
+HK$2,163/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,100/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,874 · 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).