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$19,711
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,324
−HK$623/mo
Today · 4.125%
HK$20,947
baseline
▲ 0.50% · 4.625%
HK$22,222
+HK$1,275/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,894/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,928
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,517
−HK$596/mo
Today · 4.125%
HK$23,113
baseline
▲ 0.50% · 4.625%
HK$24,332
+HK$1,219/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,226/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,653
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,389
−HK$748/mo
Today · 4.125%
HK$25,137
baseline
▲ 0.50% · 4.625%
HK$26,666
+HK$1,529/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,274/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,314
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,020
−HK$716/mo
Today · 4.125%
HK$27,736
baseline
▲ 0.50% · 4.625%
HK$29,198
+HK$1,462/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,472/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,596
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,454
−HK$872/mo
Today · 4.125%
HK$29,326
baseline
▲ 0.50% · 4.625%
HK$31,111
+HK$1,785/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,652/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,700
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,523
−HK$835/mo
Today · 4.125%
HK$32,358
baseline
▲ 0.50% · 4.625%
HK$34,064
+HK$1,706/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,716/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,480
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,584
−HK$1,121/mo
Today · 4.125%
HK$37,705
baseline
▲ 0.50% · 4.625%
HK$39,999
+HK$2,294/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$75,410/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,471
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,530
−HK$1,074/mo
Today · 4.125%
HK$41,604
baseline
▲ 0.50% · 4.625%
HK$43,797
+HK$2,193/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$83,208/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,329 · 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).