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$19,678
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,290
−HK$622/mo
Today · 4.125%
HK$20,912
baseline
▲ 0.50% · 4.625%
HK$22,184
+HK$1,272/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,824/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,891
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,478
−HK$596/mo
Today · 4.125%
HK$23,074
baseline
▲ 0.50% · 4.625%
HK$24,290
+HK$1,216/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,148/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,613
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,348
−HK$746/mo
Today · 4.125%
HK$25,094
baseline
▲ 0.50% · 4.625%
HK$26,621
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,188/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,270
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,974
−HK$715/mo
Today · 4.125%
HK$27,689
baseline
▲ 0.50% · 4.625%
HK$29,148
+HK$1,459/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,378/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,549
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,406
−HK$870/mo
Today · 4.125%
HK$29,276
baseline
▲ 0.50% · 4.625%
HK$31,058
+HK$1,782/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,552/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,648
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,470
−HK$834/mo
Today · 4.125%
HK$32,304
baseline
▲ 0.50% · 4.625%
HK$34,006
+HK$1,702/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,608/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,420
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,522
−HK$1,119/mo
Today · 4.125%
HK$37,641
baseline
▲ 0.50% · 4.625%
HK$39,931
+HK$2,290/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,282/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,404
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,461
−HK$1,072/mo
Today · 4.125%
HK$41,533
baseline
▲ 0.50% · 4.625%
HK$43,723
+HK$2,190/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,066/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,889 · 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).