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$19,439
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,043
−HK$615/mo
Today · 4.125%
HK$20,658
baseline
▲ 0.50% · 4.625%
HK$21,915
+HK$1,257/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,316/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,625
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,205
−HK$589/mo
Today · 4.125%
HK$22,794
baseline
▲ 0.50% · 4.625%
HK$23,995
+HK$1,201/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,588/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,326
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,052
−HK$737/mo
Today · 4.125%
HK$24,789
baseline
▲ 0.50% · 4.625%
HK$26,298
+HK$1,509/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,578/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,950
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,646
−HK$706/mo
Today · 4.125%
HK$27,352
baseline
▲ 0.50% · 4.625%
HK$28,794
+HK$1,442/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,704/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,214
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,061
−HK$860/mo
Today · 4.125%
HK$28,921
baseline
▲ 0.50% · 4.625%
HK$30,681
+HK$1,760/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,842/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,276
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,087
−HK$824/mo
Today · 4.125%
HK$31,911
baseline
▲ 0.50% · 4.625%
HK$33,593
+HK$1,682/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,822/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,990
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,078
−HK$1,106/mo
Today · 4.125%
HK$37,184
baseline
▲ 0.50% · 4.625%
HK$39,446
+HK$2,262/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,368/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,926
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,970
−HK$1,059/mo
Today · 4.125%
HK$41,029
baseline
▲ 0.50% · 4.625%
HK$43,191
+HK$2,162/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$82,058/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,744 · 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).