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$19,710
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,323
−HK$623/mo
Today · 4.125%
HK$20,946
baseline
▲ 0.50% · 4.625%
HK$22,221
+HK$1,275/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,892/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,927
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,515
−HK$597/mo
Today · 4.125%
HK$23,112
baseline
▲ 0.50% · 4.625%
HK$24,330
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,224/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,652
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,388
−HK$747/mo
Today · 4.125%
HK$25,135
baseline
▲ 0.50% · 4.625%
HK$26,665
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,270/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,313
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,019
−HK$715/mo
Today · 4.125%
HK$27,734
baseline
▲ 0.50% · 4.625%
HK$29,196
+HK$1,462/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,468/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,594
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,453
−HK$872/mo
Today · 4.125%
HK$29,325
baseline
▲ 0.50% · 4.625%
HK$31,109
+HK$1,784/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,650/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,698
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,522
−HK$835/mo
Today · 4.125%
HK$32,357
baseline
▲ 0.50% · 4.625%
HK$34,062
+HK$1,705/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,714/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,478
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,582
−HK$1,121/mo
Today · 4.125%
HK$37,703
baseline
▲ 0.50% · 4.625%
HK$39,997
+HK$2,294/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$75,406/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,469
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,528
−HK$1,074/mo
Today · 4.125%
HK$41,602
baseline
▲ 0.50% · 4.625%
HK$43,794
+HK$2,192/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$83,204/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,315 · 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).