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$19,707
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,320
−HK$623/mo
Today · 4.125%
HK$20,943
baseline
▲ 0.50% · 4.625%
HK$22,218
+HK$1,275/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,886/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,924
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,512
−HK$597/mo
Today · 4.125%
HK$23,109
baseline
▲ 0.50% · 4.625%
HK$24,327
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,218/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,649
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,385
−HK$747/mo
Today · 4.125%
HK$25,132
baseline
▲ 0.50% · 4.625%
HK$26,661
+HK$1,529/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,264/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,309
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,015
−HK$716/mo
Today · 4.125%
HK$27,731
baseline
▲ 0.50% · 4.625%
HK$29,192
+HK$1,461/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,462/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,590
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,449
−HK$872/mo
Today · 4.125%
HK$29,321
baseline
▲ 0.50% · 4.625%
HK$31,105
+HK$1,784/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,642/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,694
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,517
−HK$835/mo
Today · 4.125%
HK$32,352
baseline
▲ 0.50% · 4.625%
HK$34,058
+HK$1,706/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,704/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,473
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,577
−HK$1,121/mo
Today · 4.125%
HK$37,698
baseline
▲ 0.50% · 4.625%
HK$39,992
+HK$2,294/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$75,396/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,464
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,522
−HK$1,074/mo
Today · 4.125%
HK$41,596
baseline
▲ 0.50% · 4.625%
HK$43,789
+HK$2,193/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$83,192/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,280 · 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).