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$19,684
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,296
−HK$622/mo
Today · 4.125%
HK$20,918
baseline
▲ 0.50% · 4.625%
HK$22,191
+HK$1,273/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,836/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$258,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,898
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,485
−HK$596/mo
Today · 4.125%
HK$23,081
baseline
▲ 0.50% · 4.625%
HK$24,298
+HK$1,217/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,162/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$258,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,620
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,355
−HK$747/mo
Today · 4.125%
HK$25,102
baseline
▲ 0.50% · 4.625%
HK$26,629
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,204/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,277
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,982
−HK$715/mo
Today · 4.125%
HK$27,697
baseline
▲ 0.50% · 4.625%
HK$29,157
+HK$1,460/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,394/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,557
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,414
−HK$871/mo
Today · 4.125%
HK$29,285
baseline
▲ 0.50% · 4.625%
HK$31,067
+HK$1,782/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,570/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,657
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,479
−HK$834/mo
Today · 4.125%
HK$32,313
baseline
▲ 0.50% · 4.625%
HK$34,017
+HK$1,704/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,626/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,431
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,533
−HK$1,119/mo
Today · 4.125%
HK$37,652
baseline
▲ 0.50% · 4.625%
HK$39,944
+HK$2,292/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,304/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,416
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,473
−HK$1,073/mo
Today · 4.125%
HK$41,546
baseline
▲ 0.50% · 4.625%
HK$43,736
+HK$2,190/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,092/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,967 · 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).