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$19,648
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,259
−HK$621/mo
Today · 4.125%
HK$20,880
baseline
▲ 0.50% · 4.625%
HK$22,151
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,760/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,858
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,445
−HK$594/mo
Today · 4.125%
HK$23,039
baseline
▲ 0.50% · 4.625%
HK$24,254
+HK$1,215/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,078/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,578
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,311
−HK$745/mo
Today · 4.125%
HK$25,056
baseline
▲ 0.50% · 4.625%
HK$26,581
+HK$1,525/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,112/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,230
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,934
−HK$713/mo
Today · 4.125%
HK$27,647
baseline
▲ 0.50% · 4.625%
HK$29,105
+HK$1,458/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,294/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,508
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,363
−HK$869/mo
Today · 4.125%
HK$29,232
baseline
▲ 0.50% · 4.625%
HK$31,011
+HK$1,779/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$58,464/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,602
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,423
−HK$832/mo
Today · 4.125%
HK$32,255
baseline
▲ 0.50% · 4.625%
HK$33,955
+HK$1,700/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$64,510/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,367
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,467
−HK$1,118/mo
Today · 4.125%
HK$37,585
baseline
▲ 0.50% · 4.625%
HK$39,872
+HK$2,287/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,170/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,345
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,400
−HK$1,071/mo
Today · 4.125%
HK$41,471
baseline
▲ 0.50% · 4.625%
HK$43,657
+HK$2,186/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$82,942/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,501 · 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).