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$19,647
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,258
−HK$621/mo
Today · 4.125%
HK$20,879
baseline
▲ 0.50% · 4.625%
HK$22,149
+HK$1,270/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,758/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,857
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,443
−HK$594/mo
Today · 4.125%
HK$23,037
baseline
▲ 0.50% · 4.625%
HK$24,252
+HK$1,215/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,074/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,576
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,309
−HK$745/mo
Today · 4.125%
HK$25,054
baseline
▲ 0.50% · 4.625%
HK$26,579
+HK$1,525/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,108/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,228
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,931
−HK$714/mo
Today · 4.125%
HK$27,645
baseline
▲ 0.50% · 4.625%
HK$29,102
+HK$1,457/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,290/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,505
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,361
−HK$869/mo
Today · 4.125%
HK$29,230
baseline
▲ 0.50% · 4.625%
HK$31,009
+HK$1,779/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,460/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,599
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,420
−HK$832/mo
Today · 4.125%
HK$32,252
baseline
▲ 0.50% · 4.625%
HK$33,953
+HK$1,701/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,504/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,364
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,464
−HK$1,118/mo
Today · 4.125%
HK$37,582
baseline
▲ 0.50% · 4.625%
HK$39,868
+HK$2,286/mo
Deposit HK$862K · loan HK$7.75M · min. income ≈ HK$75,164/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,342
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,397
−HK$1,070/mo
Today · 4.125%
HK$41,467
baseline
▲ 0.50% · 4.625%
HK$43,653
+HK$2,186/mo
Deposit HK$862K · loan HK$7.75M · min. income ≈ HK$82,934/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,479 · 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).