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$19,423
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,027
−HK$614/mo
Today · 4.125%
HK$20,641
baseline
▲ 0.50% · 4.625%
HK$21,897
+HK$1,256/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,282/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,608
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,187
−HK$588/mo
Today · 4.125%
HK$22,775
baseline
▲ 0.50% · 4.625%
HK$23,975
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,550/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,307
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,032
−HK$737/mo
Today · 4.125%
HK$24,769
baseline
▲ 0.50% · 4.625%
HK$26,276
+HK$1,507/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,538/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,929
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,625
−HK$705/mo
Today · 4.125%
HK$27,330
baseline
▲ 0.50% · 4.625%
HK$28,771
+HK$1,441/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,660/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,192
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,038
−HK$859/mo
Today · 4.125%
HK$28,897
baseline
▲ 0.50% · 4.625%
HK$30,655
+HK$1,758/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$57,794/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,251
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,062
−HK$823/mo
Today · 4.125%
HK$31,885
baseline
▲ 0.50% · 4.625%
HK$33,566
+HK$1,681/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$63,770/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,961
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,048
−HK$1,105/mo
Today · 4.125%
HK$37,153
baseline
▲ 0.50% · 4.625%
HK$39,414
+HK$2,261/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,306/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,894
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,937
−HK$1,058/mo
Today · 4.125%
HK$40,995
baseline
▲ 0.50% · 4.625%
HK$43,156
+HK$2,161/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$81,990/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,534 · 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).