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$19,701
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,314
−HK$623/mo
Today · 4.125%
HK$20,937
baseline
▲ 0.50% · 4.625%
HK$22,211
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,874/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,918
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,505
−HK$597/mo
Today · 4.125%
HK$23,102
baseline
▲ 0.50% · 4.625%
HK$24,320
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,204/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,642
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,377
−HK$747/mo
Today · 4.125%
HK$25,124
baseline
▲ 0.50% · 4.625%
HK$26,653
+HK$1,529/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$50,248/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,301
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,007
−HK$715/mo
Today · 4.125%
HK$27,722
baseline
▲ 0.50% · 4.625%
HK$29,183
+HK$1,461/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$55,444/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,582
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,440
−HK$872/mo
Today · 4.125%
HK$29,312
baseline
▲ 0.50% · 4.625%
HK$31,095
+HK$1,783/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,624/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,685
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,508
−HK$835/mo
Today · 4.125%
HK$32,343
baseline
▲ 0.50% · 4.625%
HK$34,047
+HK$1,704/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,686/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,463
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,566
−HK$1,120/mo
Today · 4.125%
HK$37,686
baseline
▲ 0.50% · 4.625%
HK$39,980
+HK$2,294/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$75,372/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,452
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,510
−HK$1,073/mo
Today · 4.125%
HK$41,583
baseline
▲ 0.50% · 4.625%
HK$43,775
+HK$2,192/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$83,166/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,201 · 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).