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$19,719
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,332
−HK$623/mo
Today · 4.125%
HK$20,955
baseline
▲ 0.50% · 4.625%
HK$22,231
+HK$1,276/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,910/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,937
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,525
−HK$597/mo
Today · 4.125%
HK$23,122
baseline
▲ 0.50% · 4.625%
HK$24,341
+HK$1,219/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,244/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,663
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,399
−HK$748/mo
Today · 4.125%
HK$25,147
baseline
▲ 0.50% · 4.625%
HK$26,677
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,294/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,325
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,031
−HK$716/mo
Today · 4.125%
HK$27,747
baseline
▲ 0.50% · 4.625%
HK$29,209
+HK$1,462/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,494/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,606
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,465
−HK$873/mo
Today · 4.125%
HK$29,338
baseline
▲ 0.50% · 4.625%
HK$31,123
+HK$1,785/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,676/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,712
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,536
−HK$835/mo
Today · 4.125%
HK$32,371
baseline
▲ 0.50% · 4.625%
HK$34,078
+HK$1,707/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,742/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,494
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,598
−HK$1,122/mo
Today · 4.125%
HK$37,720
baseline
▲ 0.50% · 4.625%
HK$40,015
+HK$2,295/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$75,440/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,487
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,546
−HK$1,074/mo
Today · 4.125%
HK$41,620
baseline
▲ 0.50% · 4.625%
HK$43,814
+HK$2,194/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$83,240/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,431 · 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).