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$19,688
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,300
−HK$623/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$259,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,903
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,490
−HK$596/mo
Today · 4.125%
HK$23,086
baseline
▲ 0.50% · 4.625%
HK$24,303
+HK$1,217/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,172/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,626
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,360
−HK$747/mo
Today · 4.125%
HK$25,107
baseline
▲ 0.50% · 4.625%
HK$26,635
+HK$1,528/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,214/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,283
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,988
−HK$715/mo
Today · 4.125%
HK$27,703
baseline
▲ 0.50% · 4.625%
HK$29,163
+HK$1,460/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,406/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,563
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,421
−HK$871/mo
Today · 4.125%
HK$29,292
baseline
▲ 0.50% · 4.625%
HK$31,074
+HK$1,782/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,584/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,664
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,486
−HK$834/mo
Today · 4.125%
HK$32,320
baseline
▲ 0.50% · 4.625%
HK$34,024
+HK$1,704/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,640/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,438
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,541
−HK$1,120/mo
Today · 4.125%
HK$37,661
baseline
▲ 0.50% · 4.625%
HK$39,952
+HK$2,291/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,322/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,425
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,482
−HK$1,073/mo
Today · 4.125%
HK$41,555
baseline
▲ 0.50% · 4.625%
HK$43,745
+HK$2,190/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,110/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,023 · 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).