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$19,721
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,334
−HK$623/mo
Today · 4.125%
HK$20,957
baseline
▲ 0.50% · 4.625%
HK$22,233
+HK$1,276/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,914/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,939
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,528
−HK$596/mo
Today · 4.125%
HK$23,124
baseline
▲ 0.50% · 4.625%
HK$24,343
+HK$1,219/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,248/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,665
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,401
−HK$748/mo
Today · 4.125%
HK$25,149
baseline
▲ 0.50% · 4.625%
HK$26,679
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,298/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,327
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,033
−HK$716/mo
Today · 4.125%
HK$27,749
baseline
▲ 0.50% · 4.625%
HK$29,212
+HK$1,463/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,498/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,609
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,468
−HK$872/mo
Today · 4.125%
HK$29,340
baseline
▲ 0.50% · 4.625%
HK$31,126
+HK$1,786/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,680/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,715
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,539
−HK$835/mo
Today · 4.125%
HK$32,374
baseline
▲ 0.50% · 4.625%
HK$34,081
+HK$1,707/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,748/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,497
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,602
−HK$1,121/mo
Today · 4.125%
HK$37,723
baseline
▲ 0.50% · 4.625%
HK$40,019
+HK$2,296/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$75,446/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,490
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,550
−HK$1,074/mo
Today · 4.125%
HK$41,624
baseline
▲ 0.50% · 4.625%
HK$43,818
+HK$2,194/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$83,248/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,455 · 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).