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$19,637
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,248
−HK$620/mo
Today · 4.125%
HK$20,868
baseline
▲ 0.50% · 4.625%
HK$22,138
+HK$1,270/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,736/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,846
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,432
−HK$594/mo
Today · 4.125%
HK$23,026
baseline
▲ 0.50% · 4.625%
HK$24,240
+HK$1,214/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,052/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,564
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,297
−HK$745/mo
Today · 4.125%
HK$25,042
baseline
▲ 0.50% · 4.625%
HK$26,566
+HK$1,524/mo
Deposit HK$3.44M · loan HK$5.17M · min. income ≈ HK$50,084/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,215
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,918
−HK$714/mo
Today · 4.125%
HK$27,632
baseline
▲ 0.50% · 4.625%
HK$29,088
+HK$1,456/mo
Deposit HK$3.44M · loan HK$5.17M · min. income ≈ HK$55,264/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,492
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,347
−HK$869/mo
Today · 4.125%
HK$29,216
baseline
▲ 0.50% · 4.625%
HK$30,994
+HK$1,778/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,432/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,584
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,405
−HK$832/mo
Today · 4.125%
HK$32,237
baseline
▲ 0.50% · 4.625%
HK$33,936
+HK$1,699/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,474/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,347
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,446
−HK$1,117/mo
Today · 4.125%
HK$37,563
baseline
▲ 0.50% · 4.625%
HK$39,849
+HK$2,286/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,126/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,323
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,377
−HK$1,070/mo
Today · 4.125%
HK$41,447
baseline
▲ 0.50% · 4.625%
HK$43,632
+HK$2,185/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,894/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,354 · 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).