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$19,713
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,327
−HK$623/mo
Today · 4.125%
HK$20,950
baseline
▲ 0.50% · 4.625%
HK$22,224
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,900/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,931
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,519
−HK$597/mo
Today · 4.125%
HK$23,116
baseline
▲ 0.50% · 4.625%
HK$24,334
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,232/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,656
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,392
−HK$748/mo
Today · 4.125%
HK$25,140
baseline
▲ 0.50% · 4.625%
HK$26,669
+HK$1,529/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,280/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,317
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,023
−HK$716/mo
Today · 4.125%
HK$27,739
baseline
▲ 0.50% · 4.625%
HK$29,201
+HK$1,462/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,478/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,599
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,457
−HK$872/mo
Today · 4.125%
HK$29,329
baseline
▲ 0.50% · 4.625%
HK$31,114
+HK$1,785/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,658/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,703
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,527
−HK$835/mo
Today · 4.125%
HK$32,362
baseline
▲ 0.50% · 4.625%
HK$34,068
+HK$1,706/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,724/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,484
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,588
−HK$1,121/mo
Today · 4.125%
HK$37,709
baseline
▲ 0.50% · 4.625%
HK$40,004
+HK$2,295/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$75,418/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,476
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,534
−HK$1,074/mo
Today · 4.125%
HK$41,608
baseline
▲ 0.50% · 4.625%
HK$43,802
+HK$2,194/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$83,216/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,358 · 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).