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$19,415
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,019
−HK$613/mo
Today · 4.125%
HK$20,632
baseline
▲ 0.50% · 4.625%
HK$21,888
+HK$1,256/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$255,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,599
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,178
−HK$588/mo
Today · 4.125%
HK$22,766
baseline
▲ 0.50% · 4.625%
HK$23,966
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,532/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$255,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,298
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,023
−HK$736/mo
Today · 4.125%
HK$24,759
baseline
▲ 0.50% · 4.625%
HK$26,265
+HK$1,506/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,518/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,919
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,614
−HK$705/mo
Today · 4.125%
HK$27,319
baseline
▲ 0.50% · 4.625%
HK$28,759
+HK$1,440/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,638/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,181
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,026
−HK$859/mo
Today · 4.125%
HK$28,885
baseline
▲ 0.50% · 4.625%
HK$30,643
+HK$1,758/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$255,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,239
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,050
−HK$822/mo
Today · 4.125%
HK$31,872
baseline
▲ 0.50% · 4.625%
HK$33,552
+HK$1,680/mo
Deposit HK$2.55M · loan HK$5.96M · min. income ≈ HK$63,744/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,947
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,034
−HK$1,104/mo
Today · 4.125%
HK$37,138
baseline
▲ 0.50% · 4.625%
HK$39,398
+HK$2,260/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$74,276/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,878
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,921
−HK$1,058/mo
Today · 4.125%
HK$40,979
baseline
▲ 0.50% · 4.625%
HK$43,139
+HK$2,160/mo
Deposit HK$851K · loan HK$7.66M · min. income ≈ HK$81,958/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,432 · 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).