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$19,418
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,022
−HK$614/mo
Today · 4.125%
HK$20,636
baseline
▲ 0.50% · 4.625%
HK$21,892
+HK$1,256/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,272/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,603
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,182
−HK$588/mo
Today · 4.125%
HK$22,770
baseline
▲ 0.50% · 4.625%
HK$23,970
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,540/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,302
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,027
−HK$736/mo
Today · 4.125%
HK$24,763
baseline
▲ 0.50% · 4.625%
HK$26,270
+HK$1,507/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,526/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,923
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,619
−HK$705/mo
Today · 4.125%
HK$27,324
baseline
▲ 0.50% · 4.625%
HK$28,764
+HK$1,440/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,648/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,186
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,031
−HK$860/mo
Today · 4.125%
HK$28,891
baseline
▲ 0.50% · 4.625%
HK$30,648
+HK$1,757/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,782/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,244
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,055
−HK$823/mo
Today · 4.125%
HK$31,878
baseline
▲ 0.50% · 4.625%
HK$33,558
+HK$1,680/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,756/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,953
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,040
−HK$1,105/mo
Today · 4.125%
HK$37,145
baseline
▲ 0.50% · 4.625%
HK$39,405
+HK$2,260/mo
Deposit HK$852K · loan HK$7.66M · min. income ≈ HK$74,290/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,885
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,928
−HK$1,058/mo
Today · 4.125%
HK$40,986
baseline
▲ 0.50% · 4.625%
HK$43,146
+HK$2,160/mo
Deposit HK$852K · loan HK$7.66M · min. income ≈ HK$81,972/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,477 · 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).