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$1,232/mo
▼ 0.25% · 3.875%
HK$20,248
−HK$621/mo
Today · 4.125%
HK$20,869
baseline
▲ 0.50% · 4.625%
HK$22,139
+HK$1,270/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,738/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,846
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,432
−HK$595/mo
Today · 4.125%
HK$23,027
baseline
▲ 0.50% · 4.625%
HK$24,240
+HK$1,213/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,054/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,565
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,298
−HK$744/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$258,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,216
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,919
−HK$713/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$258,357 · 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$258,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,585
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,405
−HK$832/mo
Today · 4.125%
HK$32,237
baseline
▲ 0.50% · 4.625%
HK$33,937
+HK$1,700/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$258,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,347
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,447
−HK$1,117/mo
Today · 4.125%
HK$37,564
baseline
▲ 0.50% · 4.625%
HK$39,849
+HK$2,285/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,128/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,323
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,378
−HK$1,070/mo
Today · 4.125%
HK$41,448
baseline
▲ 0.50% · 4.625%
HK$43,633
+HK$2,185/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,896/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,357 · 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).