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$19,446
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,051
−HK$615/mo
Today · 4.125%
HK$20,666
baseline
▲ 0.50% · 4.625%
HK$21,923
+HK$1,257/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,332/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,634
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,214
−HK$589/mo
Today · 4.125%
HK$22,803
baseline
▲ 0.50% · 4.625%
HK$24,005
+HK$1,202/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,606/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,336
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,061
−HK$738/mo
Today · 4.125%
HK$24,799
baseline
▲ 0.50% · 4.625%
HK$26,308
+HK$1,509/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,598/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,961
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,657
−HK$706/mo
Today · 4.125%
HK$27,363
baseline
▲ 0.50% · 4.625%
HK$28,806
+HK$1,443/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,726/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,225
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,072
−HK$860/mo
Today · 4.125%
HK$28,932
baseline
▲ 0.50% · 4.625%
HK$30,693
+HK$1,761/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,864/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,287
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,100
−HK$824/mo
Today · 4.125%
HK$31,924
baseline
▲ 0.50% · 4.625%
HK$33,606
+HK$1,682/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,848/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,003
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,092
−HK$1,106/mo
Today · 4.125%
HK$37,198
baseline
▲ 0.50% · 4.625%
HK$39,462
+HK$2,264/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$74,396/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,941
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,985
−HK$1,060/mo
Today · 4.125%
HK$41,045
baseline
▲ 0.50% · 4.625%
HK$43,208
+HK$2,163/mo
Deposit HK$853K · loan HK$7.68M · min. income ≈ HK$82,090/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,844 · 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).