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$19,435
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,039
−HK$614/mo
Today · 4.125%
HK$20,653
baseline
▲ 0.50% · 4.625%
HK$21,910
+HK$1,257/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,306/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,621
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,201
−HK$588/mo
Today · 4.125%
HK$22,789
baseline
▲ 0.50% · 4.625%
HK$23,990
+HK$1,201/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,578/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,322
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,047
−HK$737/mo
Today · 4.125%
HK$24,784
baseline
▲ 0.50% · 4.625%
HK$26,292
+HK$1,508/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,568/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,945
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,641
−HK$706/mo
Today · 4.125%
HK$27,347
baseline
▲ 0.50% · 4.625%
HK$28,788
+HK$1,441/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,694/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,209
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,055
−HK$860/mo
Today · 4.125%
HK$28,915
baseline
▲ 0.50% · 4.625%
HK$30,674
+HK$1,759/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$57,830/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,269
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$31,081
−HK$824/mo
Today · 4.125%
HK$31,905
baseline
▲ 0.50% · 4.625%
HK$33,586
+HK$1,681/mo
Deposit HK$2.56M · loan HK$5.97M · min. income ≈ HK$63,810/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,982
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,071
−HK$1,105/mo
Today · 4.125%
HK$37,176
baseline
▲ 0.50% · 4.625%
HK$39,438
+HK$2,262/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,352/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,918
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,961
−HK$1,059/mo
Today · 4.125%
HK$41,020
baseline
▲ 0.50% · 4.625%
HK$43,182
+HK$2,162/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$82,040/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,691 · 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).