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$19,677
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,289
−HK$622/mo
Today · 4.125%
HK$20,911
baseline
▲ 0.50% · 4.625%
HK$22,183
+HK$1,272/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,822/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,891
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,478
−HK$595/mo
Today · 4.125%
HK$23,073
baseline
▲ 0.50% · 4.625%
HK$24,289
+HK$1,216/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,146/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,612
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,347
−HK$746/mo
Today · 4.125%
HK$25,093
baseline
▲ 0.50% · 4.625%
HK$26,620
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,186/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,269
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,973
−HK$715/mo
Today · 4.125%
HK$27,688
baseline
▲ 0.50% · 4.625%
HK$29,147
+HK$1,459/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,376/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,548
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,405
−HK$870/mo
Today · 4.125%
HK$29,275
baseline
▲ 0.50% · 4.625%
HK$31,057
+HK$1,782/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,550/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,647
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,469
−HK$834/mo
Today · 4.125%
HK$32,303
baseline
▲ 0.50% · 4.625%
HK$34,005
+HK$1,702/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,606/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,419
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,520
−HK$1,120/mo
Today · 4.125%
HK$37,640
baseline
▲ 0.50% · 4.625%
HK$39,930
+HK$2,290/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,280/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,403
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,460
−HK$1,072/mo
Today · 4.125%
HK$41,532
baseline
▲ 0.50% · 4.625%
HK$43,721
+HK$2,189/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,064/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,880 · 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).