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$19,658
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,269
−HK$621/mo
Today · 4.125%
HK$20,890
baseline
▲ 0.50% · 4.625%
HK$22,161
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,780/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,869
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,455
−HK$595/mo
Today · 4.125%
HK$23,050
baseline
▲ 0.50% · 4.625%
HK$24,265
+HK$1,215/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,100/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,589
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,323
−HK$745/mo
Today · 4.125%
HK$25,068
baseline
▲ 0.50% · 4.625%
HK$26,594
+HK$1,526/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,136/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,243
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,946
−HK$714/mo
Today · 4.125%
HK$27,660
baseline
▲ 0.50% · 4.625%
HK$29,118
+HK$1,458/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,320/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,521
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,377
−HK$869/mo
Today · 4.125%
HK$29,246
baseline
▲ 0.50% · 4.625%
HK$31,026
+HK$1,780/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$58,492/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,616
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,437
−HK$833/mo
Today · 4.125%
HK$32,270
baseline
▲ 0.50% · 4.625%
HK$33,972
+HK$1,702/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$64,540/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,384
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,484
−HK$1,118/mo
Today · 4.125%
HK$37,602
baseline
▲ 0.50% · 4.625%
HK$39,891
+HK$2,289/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,204/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,364
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,420
−HK$1,071/mo
Today · 4.125%
HK$41,491
baseline
▲ 0.50% · 4.625%
HK$43,678
+HK$2,187/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$82,982/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,624 · 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).