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$19,690
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,303
−HK$622/mo
Today · 4.125%
HK$20,925
baseline
▲ 0.50% · 4.625%
HK$22,198
+HK$1,273/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,850/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,905
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,493
−HK$596/mo
Today · 4.125%
HK$23,089
baseline
▲ 0.50% · 4.625%
HK$24,306
+HK$1,217/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,178/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,628
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,363
−HK$747/mo
Today · 4.125%
HK$25,110
baseline
▲ 0.50% · 4.625%
HK$26,638
+HK$1,528/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,220/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,286
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$26,991
−HK$716/mo
Today · 4.125%
HK$27,707
baseline
▲ 0.50% · 4.625%
HK$29,167
+HK$1,460/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,414/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,567
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,424
−HK$871/mo
Today · 4.125%
HK$29,295
baseline
▲ 0.50% · 4.625%
HK$31,078
+HK$1,783/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,590/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,667
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,490
−HK$834/mo
Today · 4.125%
HK$32,324
baseline
▲ 0.50% · 4.625%
HK$34,028
+HK$1,704/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,648/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,443
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,545
−HK$1,120/mo
Today · 4.125%
HK$37,665
baseline
▲ 0.50% · 4.625%
HK$39,957
+HK$2,292/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$75,330/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,430
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,487
−HK$1,073/mo
Today · 4.125%
HK$41,560
baseline
▲ 0.50% · 4.625%
HK$43,751
+HK$2,191/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$83,120/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,055 · 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).