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$19,636
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,246
−HK$621/mo
Today · 4.125%
HK$20,867
baseline
▲ 0.50% · 4.625%
HK$22,137
+HK$1,270/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,734/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,844
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,430
−HK$595/mo
Today · 4.125%
HK$23,025
baseline
▲ 0.50% · 4.625%
HK$24,238
+HK$1,213/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,050/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,563
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,296
−HK$744/mo
Today · 4.125%
HK$25,040
baseline
▲ 0.50% · 4.625%
HK$26,564
+HK$1,524/mo
Deposit HK$3.44M · loan HK$5.17M · min. income ≈ HK$50,080/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,213
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,916
−HK$713/mo
Today · 4.125%
HK$27,629
baseline
▲ 0.50% · 4.625%
HK$29,086
+HK$1,457/mo
Deposit HK$3.44M · loan HK$5.17M · min. income ≈ HK$55,258/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,490
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,345
−HK$869/mo
Today · 4.125%
HK$29,214
baseline
▲ 0.50% · 4.625%
HK$30,991
+HK$1,777/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,428/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,582
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,402
−HK$832/mo
Today · 4.125%
HK$32,234
baseline
▲ 0.50% · 4.625%
HK$33,934
+HK$1,700/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,468/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,344
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,443
−HK$1,117/mo
Today · 4.125%
HK$37,560
baseline
▲ 0.50% · 4.625%
HK$39,846
+HK$2,286/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,120/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,320
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,374
−HK$1,070/mo
Today · 4.125%
HK$41,444
baseline
▲ 0.50% · 4.625%
HK$43,629
+HK$2,185/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,888/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,334 · 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).