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$19,696
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,309
−HK$622/mo
Today · 4.125%
HK$20,931
baseline
▲ 0.50% · 4.625%
HK$22,205
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,862/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,912
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,499
−HK$597/mo
Today · 4.125%
HK$23,096
baseline
▲ 0.50% · 4.625%
HK$24,313
+HK$1,217/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,192/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,635
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,371
−HK$747/mo
Today · 4.125%
HK$25,118
baseline
▲ 0.50% · 4.625%
HK$26,646
+HK$1,528/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$50,236/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,294
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$26,999
−HK$716/mo
Today · 4.125%
HK$27,715
baseline
▲ 0.50% · 4.625%
HK$29,176
+HK$1,461/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$55,430/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,575
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,432
−HK$872/mo
Today · 4.125%
HK$29,304
baseline
▲ 0.50% · 4.625%
HK$31,087
+HK$1,783/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,608/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,677
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,499
−HK$835/mo
Today · 4.125%
HK$32,334
baseline
▲ 0.50% · 4.625%
HK$34,038
+HK$1,704/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,668/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,453
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,556
−HK$1,120/mo
Today · 4.125%
HK$37,676
baseline
▲ 0.50% · 4.625%
HK$39,969
+HK$2,293/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$75,352/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,441
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,499
−HK$1,073/mo
Today · 4.125%
HK$41,572
baseline
▲ 0.50% · 4.625%
HK$43,763
+HK$2,191/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$83,144/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,131 · 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).