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$19,679
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,291
−HK$622/mo
Today · 4.125%
HK$20,913
baseline
▲ 0.50% · 4.625%
HK$22,186
+HK$1,273/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,826/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,893
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,480
−HK$595/mo
Today · 4.125%
HK$23,075
baseline
▲ 0.50% · 4.625%
HK$24,292
+HK$1,217/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,150/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,615
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,349
−HK$747/mo
Today · 4.125%
HK$25,096
baseline
▲ 0.50% · 4.625%
HK$26,623
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,192/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,271
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,976
−HK$715/mo
Today · 4.125%
HK$27,691
baseline
▲ 0.50% · 4.625%
HK$29,150
+HK$1,459/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,382/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,551
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,408
−HK$870/mo
Today · 4.125%
HK$29,278
baseline
▲ 0.50% · 4.625%
HK$31,060
+HK$1,782/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,556/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,650
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,472
−HK$834/mo
Today · 4.125%
HK$32,306
baseline
▲ 0.50% · 4.625%
HK$34,008
+HK$1,702/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,612/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,422
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,524
−HK$1,119/mo
Today · 4.125%
HK$37,643
baseline
▲ 0.50% · 4.625%
HK$39,934
+HK$2,291/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,286/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,407
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,464
−HK$1,072/mo
Today · 4.125%
HK$41,536
baseline
▲ 0.50% · 4.625%
HK$43,725
+HK$2,189/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,072/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,905 · 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).