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$19,724
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,337
−HK$624/mo
Today · 4.125%
HK$20,961
baseline
▲ 0.50% · 4.625%
HK$22,236
+HK$1,275/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,922/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,943
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,531
−HK$597/mo
Today · 4.125%
HK$23,128
baseline
▲ 0.50% · 4.625%
HK$24,347
+HK$1,219/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,256/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,669
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,405
−HK$748/mo
Today · 4.125%
HK$25,153
baseline
▲ 0.50% · 4.625%
HK$26,683
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,306/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,331
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,037
−HK$717/mo
Today · 4.125%
HK$27,754
baseline
▲ 0.50% · 4.625%
HK$29,217
+HK$1,463/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,508/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,613
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,472
−HK$873/mo
Today · 4.125%
HK$29,345
baseline
▲ 0.50% · 4.625%
HK$31,131
+HK$1,786/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,690/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,720
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,543
−HK$836/mo
Today · 4.125%
HK$32,379
baseline
▲ 0.50% · 4.625%
HK$34,086
+HK$1,707/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,758/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,503
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,607
−HK$1,122/mo
Today · 4.125%
HK$37,729
baseline
▲ 0.50% · 4.625%
HK$40,025
+HK$2,296/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$75,458/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,497
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,556
−HK$1,074/mo
Today · 4.125%
HK$41,630
baseline
▲ 0.50% · 4.625%
HK$43,825
+HK$2,195/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$83,260/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,495 · 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).