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$19,689
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,301
−HK$622/mo
Today · 4.125%
HK$20,923
baseline
▲ 0.50% · 4.625%
HK$22,196
+HK$1,273/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,846/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,903
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,491
−HK$596/mo
Today · 4.125%
HK$23,087
baseline
▲ 0.50% · 4.625%
HK$24,304
+HK$1,217/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,174/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,626
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,361
−HK$747/mo
Today · 4.125%
HK$25,108
baseline
▲ 0.50% · 4.625%
HK$26,636
+HK$1,528/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,216/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,284
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,989
−HK$715/mo
Today · 4.125%
HK$27,704
baseline
▲ 0.50% · 4.625%
HK$29,164
+HK$1,460/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,408/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,564
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,421
−HK$872/mo
Today · 4.125%
HK$29,293
baseline
▲ 0.50% · 4.625%
HK$31,075
+HK$1,782/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,586/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,665
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,487
−HK$834/mo
Today · 4.125%
HK$32,321
baseline
▲ 0.50% · 4.625%
HK$34,025
+HK$1,704/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,642/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,440
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,542
−HK$1,120/mo
Today · 4.125%
HK$37,662
baseline
▲ 0.50% · 4.625%
HK$39,954
+HK$2,292/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,324/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,426
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,483
−HK$1,073/mo
Today · 4.125%
HK$41,556
baseline
▲ 0.50% · 4.625%
HK$43,747
+HK$2,191/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,112/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,032 · 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).