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$19,710
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,323
−HK$623/mo
Today · 4.125%
HK$20,946
baseline
▲ 0.50% · 4.625%
HK$22,220
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,892/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,927
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,515
−HK$596/mo
Today · 4.125%
HK$23,111
baseline
▲ 0.50% · 4.625%
HK$24,330
+HK$1,219/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,222/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,651
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,387
−HK$748/mo
Today · 4.125%
HK$25,135
baseline
▲ 0.50% · 4.625%
HK$26,664
+HK$1,529/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,270/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,312
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,018
−HK$716/mo
Today · 4.125%
HK$27,734
baseline
▲ 0.50% · 4.625%
HK$29,195
+HK$1,461/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,468/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,593
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,452
−HK$872/mo
Today · 4.125%
HK$29,324
baseline
▲ 0.50% · 4.625%
HK$31,108
+HK$1,784/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,648/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,697
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,521
−HK$835/mo
Today · 4.125%
HK$32,356
baseline
▲ 0.50% · 4.625%
HK$34,061
+HK$1,705/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,712/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,477
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,581
−HK$1,121/mo
Today · 4.125%
HK$37,702
baseline
▲ 0.50% · 4.625%
HK$39,996
+HK$2,294/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$75,404/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,468
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,527
−HK$1,073/mo
Today · 4.125%
HK$41,600
baseline
▲ 0.50% · 4.625%
HK$43,793
+HK$2,193/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$83,200/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,308 · 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).