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$19,694
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,306
−HK$623/mo
Today · 4.125%
HK$20,929
baseline
▲ 0.50% · 4.625%
HK$22,202
+HK$1,273/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,858/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,909
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,497
−HK$596/mo
Today · 4.125%
HK$23,093
baseline
▲ 0.50% · 4.625%
HK$24,310
+HK$1,217/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,186/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,632
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,367
−HK$747/mo
Today · 4.125%
HK$25,114
baseline
▲ 0.50% · 4.625%
HK$26,642
+HK$1,528/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,228/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,291
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,996
−HK$715/mo
Today · 4.125%
HK$27,711
baseline
▲ 0.50% · 4.625%
HK$29,172
+HK$1,461/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,422/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,571
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,429
−HK$871/mo
Today · 4.125%
HK$29,300
baseline
▲ 0.50% · 4.625%
HK$31,083
+HK$1,783/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,600/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,673
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,495
−HK$835/mo
Today · 4.125%
HK$32,330
baseline
▲ 0.50% · 4.625%
HK$34,034
+HK$1,704/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,660/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,449
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,551
−HK$1,120/mo
Today · 4.125%
HK$37,671
baseline
▲ 0.50% · 4.625%
HK$39,964
+HK$2,293/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$75,342/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,436
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,494
−HK$1,073/mo
Today · 4.125%
HK$41,567
baseline
▲ 0.50% · 4.625%
HK$43,758
+HK$2,191/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$83,134/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,098 · 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).