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$19,654
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,265
−HK$621/mo
Today · 4.125%
HK$20,886
baseline
▲ 0.50% · 4.625%
HK$22,157
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,772/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,864
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,451
−HK$595/mo
Today · 4.125%
HK$23,046
baseline
▲ 0.50% · 4.625%
HK$24,261
+HK$1,215/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,092/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,584
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,318
−HK$745/mo
Today · 4.125%
HK$25,063
baseline
▲ 0.50% · 4.625%
HK$26,588
+HK$1,525/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,126/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,237
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,941
−HK$714/mo
Today · 4.125%
HK$27,655
baseline
▲ 0.50% · 4.625%
HK$29,113
+HK$1,458/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,310/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,515
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,371
−HK$870/mo
Today · 4.125%
HK$29,241
baseline
▲ 0.50% · 4.625%
HK$31,020
+HK$1,779/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$58,482/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,610
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,431
−HK$833/mo
Today · 4.125%
HK$32,264
baseline
▲ 0.50% · 4.625%
HK$33,965
+HK$1,701/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$64,528/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,377
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,477
−HK$1,118/mo
Today · 4.125%
HK$37,595
baseline
▲ 0.50% · 4.625%
HK$39,883
+HK$2,288/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,190/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,356
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,412
−HK$1,070/mo
Today · 4.125%
HK$41,482
baseline
▲ 0.50% · 4.625%
HK$43,669
+HK$2,187/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$82,964/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,572 · 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).