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$19,653
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,264
−HK$621/mo
Today · 4.125%
HK$20,885
baseline
▲ 0.50% · 4.625%
HK$22,156
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,770/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,863
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,450
−HK$595/mo
Today · 4.125%
HK$23,045
baseline
▲ 0.50% · 4.625%
HK$24,259
+HK$1,214/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,090/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,583
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,317
−HK$745/mo
Today · 4.125%
HK$25,062
baseline
▲ 0.50% · 4.625%
HK$26,587
+HK$1,525/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,124/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,236
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,940
−HK$713/mo
Today · 4.125%
HK$27,653
baseline
▲ 0.50% · 4.625%
HK$29,111
+HK$1,458/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,306/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,514
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,370
−HK$869/mo
Today · 4.125%
HK$29,239
baseline
▲ 0.50% · 4.625%
HK$31,018
+HK$1,779/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$58,478/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,609
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,430
−HK$832/mo
Today · 4.125%
HK$32,262
baseline
▲ 0.50% · 4.625%
HK$33,963
+HK$1,701/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$64,524/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,375
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,475
−HK$1,118/mo
Today · 4.125%
HK$37,593
baseline
▲ 0.50% · 4.625%
HK$39,880
+HK$2,287/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,186/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,354
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,409
−HK$1,071/mo
Today · 4.125%
HK$41,480
baseline
▲ 0.50% · 4.625%
HK$43,667
+HK$2,187/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$82,960/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,559 · 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).