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$19,686
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,298
−HK$622/mo
Today · 4.125%
HK$20,920
baseline
▲ 0.50% · 4.625%
HK$22,193
+HK$1,273/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,840/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$258,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,900
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,488
−HK$595/mo
Today · 4.125%
HK$23,083
baseline
▲ 0.50% · 4.625%
HK$24,300
+HK$1,217/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,166/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$258,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,623
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,358
−HK$746/mo
Today · 4.125%
HK$25,104
baseline
▲ 0.50% · 4.625%
HK$26,632
+HK$1,528/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,208/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,280
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,985
−HK$715/mo
Today · 4.125%
HK$27,700
baseline
▲ 0.50% · 4.625%
HK$29,160
+HK$1,460/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,400/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,560
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,417
−HK$871/mo
Today · 4.125%
HK$29,288
baseline
▲ 0.50% · 4.625%
HK$31,071
+HK$1,783/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,576/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,660
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,483
−HK$834/mo
Today · 4.125%
HK$32,317
baseline
▲ 0.50% · 4.625%
HK$34,020
+HK$1,703/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,634/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,434
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,537
−HK$1,120/mo
Today · 4.125%
HK$37,657
baseline
▲ 0.50% · 4.625%
HK$39,948
+HK$2,291/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,314/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,420
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,478
−HK$1,072/mo
Today · 4.125%
HK$41,550
baseline
▲ 0.50% · 4.625%
HK$43,740
+HK$2,190/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,100/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,995 · 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).