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$19,443
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,047
−HK$615/mo
Today · 4.125%
HK$20,662
baseline
▲ 0.50% · 4.625%
HK$21,919
+HK$1,257/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,324/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,630
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,210
−HK$588/mo
Today · 4.125%
HK$22,798
baseline
▲ 0.50% · 4.625%
HK$24,000
+HK$1,202/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,596/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,331
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,057
−HK$737/mo
Today · 4.125%
HK$24,794
baseline
▲ 0.50% · 4.625%
HK$26,303
+HK$1,509/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,588/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,956
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,652
−HK$706/mo
Today · 4.125%
HK$27,358
baseline
▲ 0.50% · 4.625%
HK$28,800
+HK$1,442/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,716/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$255,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,220
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$28,066
−HK$861/mo
Today · 4.125%
HK$28,927
baseline
▲ 0.50% · 4.625%
HK$30,687
+HK$1,760/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,854/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,282
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,094
−HK$824/mo
Today · 4.125%
HK$31,918
baseline
▲ 0.50% · 4.625%
HK$33,600
+HK$1,682/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,836/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,997
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,085
−HK$1,106/mo
Today · 4.125%
HK$37,191
baseline
▲ 0.50% · 4.625%
HK$39,454
+HK$2,263/mo
Deposit HK$853K · loan HK$7.67M · min. income ≈ HK$74,382/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,933
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,978
−HK$1,059/mo
Today · 4.125%
HK$41,037
baseline
▲ 0.50% · 4.625%
HK$43,200
+HK$2,163/mo
Deposit HK$853K · loan HK$7.67M · min. income ≈ HK$82,074/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,795 · 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).