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$19,682
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,295
−HK$622/mo
Today · 4.125%
HK$20,917
baseline
▲ 0.50% · 4.625%
HK$22,189
+HK$1,272/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,834/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,897
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,484
−HK$596/mo
Today · 4.125%
HK$23,080
baseline
▲ 0.50% · 4.625%
HK$24,296
+HK$1,216/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,160/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,619
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,354
−HK$746/mo
Today · 4.125%
HK$25,100
baseline
▲ 0.50% · 4.625%
HK$26,627
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,200/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,276
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,981
−HK$714/mo
Today · 4.125%
HK$27,695
baseline
▲ 0.50% · 4.625%
HK$29,155
+HK$1,460/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,390/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,555
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,413
−HK$870/mo
Today · 4.125%
HK$29,283
baseline
▲ 0.50% · 4.625%
HK$31,065
+HK$1,782/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,566/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,655
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,477
−HK$834/mo
Today · 4.125%
HK$32,311
baseline
▲ 0.50% · 4.625%
HK$34,015
+HK$1,704/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,622/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,428
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,530
−HK$1,120/mo
Today · 4.125%
HK$37,650
baseline
▲ 0.50% · 4.625%
HK$39,941
+HK$2,291/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,300/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,414
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,471
−HK$1,072/mo
Today · 4.125%
HK$41,543
baseline
▲ 0.50% · 4.625%
HK$43,733
+HK$2,190/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,086/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,951 · 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).