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$19,716
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,329
−HK$623/mo
Today · 4.125%
HK$20,952
baseline
▲ 0.50% · 4.625%
HK$22,227
+HK$1,275/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,904/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,934
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,522
−HK$597/mo
Today · 4.125%
HK$23,119
baseline
▲ 0.50% · 4.625%
HK$24,338
+HK$1,219/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,238/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,659
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,395
−HK$748/mo
Today · 4.125%
HK$25,143
baseline
▲ 0.50% · 4.625%
HK$26,673
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,286/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,321
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,027
−HK$716/mo
Today · 4.125%
HK$27,743
baseline
▲ 0.50% · 4.625%
HK$29,205
+HK$1,462/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,486/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,603
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,461
−HK$872/mo
Today · 4.125%
HK$29,333
baseline
▲ 0.50% · 4.625%
HK$31,118
+HK$1,785/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,666/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,708
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,531
−HK$836/mo
Today · 4.125%
HK$32,367
baseline
▲ 0.50% · 4.625%
HK$34,073
+HK$1,706/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,734/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,489
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,593
−HK$1,121/mo
Today · 4.125%
HK$37,714
baseline
▲ 0.50% · 4.625%
HK$40,009
+HK$2,295/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$75,428/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,481
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,540
−HK$1,074/mo
Today · 4.125%
HK$41,614
baseline
▲ 0.50% · 4.625%
HK$43,808
+HK$2,194/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$83,228/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,394 · 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).