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$19,668
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,280
−HK$622/mo
Today · 4.125%
HK$20,902
baseline
▲ 0.50% · 4.625%
HK$22,173
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,804/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,881
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,468
−HK$595/mo
Today · 4.125%
HK$23,063
baseline
▲ 0.50% · 4.625%
HK$24,279
+HK$1,216/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,126/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,602
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,336
−HK$746/mo
Today · 4.125%
HK$25,082
baseline
▲ 0.50% · 4.625%
HK$26,608
+HK$1,526/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,164/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,257
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,961
−HK$715/mo
Today · 4.125%
HK$27,676
baseline
▲ 0.50% · 4.625%
HK$29,134
+HK$1,458/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,352/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,536
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,392
−HK$870/mo
Today · 4.125%
HK$29,262
baseline
▲ 0.50% · 4.625%
HK$31,043
+HK$1,781/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,524/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,633
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,455
−HK$833/mo
Today · 4.125%
HK$32,288
baseline
▲ 0.50% · 4.625%
HK$33,990
+HK$1,702/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,576/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,403
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,504
−HK$1,119/mo
Today · 4.125%
HK$37,623
baseline
▲ 0.50% · 4.625%
HK$39,912
+HK$2,289/mo
Deposit HK$863K · loan HK$7.76M · min. income ≈ HK$75,246/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,385
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,442
−HK$1,071/mo
Today · 4.125%
HK$41,513
baseline
▲ 0.50% · 4.625%
HK$43,702
+HK$2,189/mo
Deposit HK$863K · loan HK$7.76M · min. income ≈ HK$83,026/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,765 · 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).