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$19,718
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,331
−HK$623/mo
Today · 4.125%
HK$20,954
baseline
▲ 0.50% · 4.625%
HK$22,229
+HK$1,275/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,908/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,936
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,524
−HK$597/mo
Today · 4.125%
HK$23,121
baseline
▲ 0.50% · 4.625%
HK$24,340
+HK$1,219/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,242/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,661
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,397
−HK$748/mo
Today · 4.125%
HK$25,145
baseline
▲ 0.50% · 4.625%
HK$26,675
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,290/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,323
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,029
−HK$716/mo
Today · 4.125%
HK$27,745
baseline
▲ 0.50% · 4.625%
HK$29,207
+HK$1,462/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,490/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,605
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,463
−HK$873/mo
Today · 4.125%
HK$29,336
baseline
▲ 0.50% · 4.625%
HK$31,121
+HK$1,785/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,672/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,710
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,534
−HK$835/mo
Today · 4.125%
HK$32,369
baseline
▲ 0.50% · 4.625%
HK$34,075
+HK$1,706/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,738/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,492
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,596
−HK$1,121/mo
Today · 4.125%
HK$37,717
baseline
▲ 0.50% · 4.625%
HK$40,012
+HK$2,295/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$75,434/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,484
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,543
−HK$1,074/mo
Today · 4.125%
HK$41,617
baseline
▲ 0.50% · 4.625%
HK$43,811
+HK$2,194/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$83,234/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,414 · 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).