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$19,443
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,048
−HK$615/mo
Today · 4.125%
HK$20,663
baseline
▲ 0.50% · 4.625%
HK$21,920
+HK$1,257/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,326/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,631
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,211
−HK$588/mo
Today · 4.125%
HK$22,799
baseline
▲ 0.50% · 4.625%
HK$24,001
+HK$1,202/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,598/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,332
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,058
−HK$737/mo
Today · 4.125%
HK$24,795
baseline
▲ 0.50% · 4.625%
HK$26,304
+HK$1,509/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,590/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,957
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,653
−HK$706/mo
Today · 4.125%
HK$27,359
baseline
▲ 0.50% · 4.625%
HK$28,801
+HK$1,442/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,718/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,221
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,068
−HK$860/mo
Today · 4.125%
HK$28,928
baseline
▲ 0.50% · 4.625%
HK$30,688
+HK$1,760/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,856/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,283
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,095
−HK$824/mo
Today · 4.125%
HK$31,919
baseline
▲ 0.50% · 4.625%
HK$33,601
+HK$1,682/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,838/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,998
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,087
−HK$1,106/mo
Today · 4.125%
HK$37,193
baseline
▲ 0.50% · 4.625%
HK$39,456
+HK$2,263/mo
Deposit HK$853K · loan HK$7.67M · min. income ≈ HK$74,386/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,935
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,979
−HK$1,060/mo
Today · 4.125%
HK$41,039
baseline
▲ 0.50% · 4.625%
HK$43,202
+HK$2,163/mo
Deposit HK$853K · loan HK$7.67M · min. income ≈ HK$82,078/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,806 · 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).