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$19,674
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,286
−HK$622/mo
Today · 4.125%
HK$20,908
baseline
▲ 0.50% · 4.625%
HK$22,180
+HK$1,272/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,816/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,887
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,474
−HK$596/mo
Today · 4.125%
HK$23,070
baseline
▲ 0.50% · 4.625%
HK$24,286
+HK$1,216/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,140/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,609
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,343
−HK$746/mo
Today · 4.125%
HK$25,089
baseline
▲ 0.50% · 4.625%
HK$26,616
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,178/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,265
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,969
−HK$715/mo
Today · 4.125%
HK$27,684
baseline
▲ 0.50% · 4.625%
HK$29,143
+HK$1,459/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,368/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,544
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,401
−HK$870/mo
Today · 4.125%
HK$29,271
baseline
▲ 0.50% · 4.625%
HK$31,052
+HK$1,781/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,542/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,642
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,464
−HK$834/mo
Today · 4.125%
HK$32,298
baseline
▲ 0.50% · 4.625%
HK$34,000
+HK$1,702/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,596/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,413
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,515
−HK$1,119/mo
Today · 4.125%
HK$37,634
baseline
▲ 0.50% · 4.625%
HK$39,924
+HK$2,290/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,268/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,397
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,454
−HK$1,072/mo
Today · 4.125%
HK$41,526
baseline
▲ 0.50% · 4.625%
HK$43,714
+HK$2,188/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,052/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,842 · 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).