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$19,441
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,045
−HK$615/mo
Today · 4.125%
HK$20,660
baseline
▲ 0.50% · 4.625%
HK$21,917
+HK$1,257/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,320/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,627
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,207
−HK$589/mo
Today · 4.125%
HK$22,796
baseline
▲ 0.50% · 4.625%
HK$23,998
+HK$1,202/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,592/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,329
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,054
−HK$738/mo
Today · 4.125%
HK$24,792
baseline
▲ 0.50% · 4.625%
HK$26,300
+HK$1,508/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,584/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,953
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,649
−HK$706/mo
Today · 4.125%
HK$27,355
baseline
▲ 0.50% · 4.625%
HK$28,797
+HK$1,442/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,710/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,217
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,063
−HK$861/mo
Today · 4.125%
HK$28,924
baseline
▲ 0.50% · 4.625%
HK$30,683
+HK$1,759/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,848/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,278
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,090
−HK$824/mo
Today · 4.125%
HK$31,914
baseline
▲ 0.50% · 4.625%
HK$33,597
+HK$1,683/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,828/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,993
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,082
−HK$1,105/mo
Today · 4.125%
HK$37,187
baseline
▲ 0.50% · 4.625%
HK$39,450
+HK$2,263/mo
Deposit HK$853K · loan HK$7.67M · min. income ≈ HK$74,374/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,929
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,973
−HK$1,060/mo
Today · 4.125%
HK$41,033
baseline
▲ 0.50% · 4.625%
HK$43,196
+HK$2,163/mo
Deposit HK$853K · loan HK$7.67M · min. income ≈ HK$82,066/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,769 · 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).