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$19,703
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,315
−HK$623/mo
Today · 4.125%
HK$20,938
baseline
▲ 0.50% · 4.625%
HK$22,212
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,876/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,919
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,507
−HK$596/mo
Today · 4.125%
HK$23,103
baseline
▲ 0.50% · 4.625%
HK$24,321
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,206/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,643
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,378
−HK$748/mo
Today · 4.125%
HK$25,126
baseline
▲ 0.50% · 4.625%
HK$26,654
+HK$1,528/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$50,252/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,303
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,008
−HK$716/mo
Today · 4.125%
HK$27,724
baseline
▲ 0.50% · 4.625%
HK$29,185
+HK$1,461/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$55,448/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,584
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,442
−HK$871/mo
Today · 4.125%
HK$29,313
baseline
▲ 0.50% · 4.625%
HK$31,097
+HK$1,784/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,626/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,686
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,509
−HK$835/mo
Today · 4.125%
HK$32,344
baseline
▲ 0.50% · 4.625%
HK$34,049
+HK$1,705/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,688/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,465
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,568
−HK$1,120/mo
Today · 4.125%
HK$37,688
baseline
▲ 0.50% · 4.625%
HK$39,982
+HK$2,294/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$75,376/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,454
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,512
−HK$1,074/mo
Today · 4.125%
HK$41,586
baseline
▲ 0.50% · 4.625%
HK$43,778
+HK$2,192/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$83,172/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,215 · 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).