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$19,437
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,041
−HK$615/mo
Today · 4.125%
HK$20,656
baseline
▲ 0.50% · 4.625%
HK$21,912
+HK$1,256/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,312/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,623
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,203
−HK$588/mo
Today · 4.125%
HK$22,791
baseline
▲ 0.50% · 4.625%
HK$23,993
+HK$1,202/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,582/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,324
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,050
−HK$737/mo
Today · 4.125%
HK$24,787
baseline
▲ 0.50% · 4.625%
HK$26,295
+HK$1,508/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,574/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,948
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,644
−HK$706/mo
Today · 4.125%
HK$27,350
baseline
▲ 0.50% · 4.625%
HK$28,791
+HK$1,441/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,700/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,211
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,058
−HK$860/mo
Today · 4.125%
HK$28,918
baseline
▲ 0.50% · 4.625%
HK$30,677
+HK$1,759/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,836/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,272
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,084
−HK$824/mo
Today · 4.125%
HK$31,908
baseline
▲ 0.50% · 4.625%
HK$33,590
+HK$1,682/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,816/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,986
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,074
−HK$1,106/mo
Today · 4.125%
HK$37,180
baseline
▲ 0.50% · 4.625%
HK$39,442
+HK$2,262/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,360/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,922
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,965
−HK$1,059/mo
Today · 4.125%
HK$41,024
baseline
▲ 0.50% · 4.625%
HK$43,187
+HK$2,163/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$82,048/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,717 · 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).