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$19,414
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,018
−HK$614/mo
Today · 4.125%
HK$20,632
baseline
▲ 0.50% · 4.625%
HK$21,887
+HK$1,255/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,264/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,598
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,178
−HK$587/mo
Today · 4.125%
HK$22,765
baseline
▲ 0.50% · 4.625%
HK$23,965
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,530/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,297
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,022
−HK$736/mo
Today · 4.125%
HK$24,758
baseline
▲ 0.50% · 4.625%
HK$26,265
+HK$1,507/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,516/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,918
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,613
−HK$705/mo
Today · 4.125%
HK$27,318
baseline
▲ 0.50% · 4.625%
HK$28,758
+HK$1,440/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,636/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,180
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,026
−HK$859/mo
Today · 4.125%
HK$28,885
baseline
▲ 0.50% · 4.625%
HK$30,642
+HK$1,757/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$57,770/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,238
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,049
−HK$822/mo
Today · 4.125%
HK$31,871
baseline
▲ 0.50% · 4.625%
HK$33,551
+HK$1,680/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,742/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,946
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,033
−HK$1,104/mo
Today · 4.125%
HK$37,137
baseline
▲ 0.50% · 4.625%
HK$39,397
+HK$2,260/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,274/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,877
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,920
−HK$1,057/mo
Today · 4.125%
HK$40,977
baseline
▲ 0.50% · 4.625%
HK$43,137
+HK$2,160/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,954/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,425 · 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).