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$19,672
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,284
−HK$622/mo
Today · 4.125%
HK$20,906
baseline
▲ 0.50% · 4.625%
HK$22,178
+HK$1,272/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,812/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,885
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,472
−HK$596/mo
Today · 4.125%
HK$23,068
baseline
▲ 0.50% · 4.625%
HK$24,284
+HK$1,216/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,136/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,607
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,341
−HK$746/mo
Today · 4.125%
HK$25,087
baseline
▲ 0.50% · 4.625%
HK$26,614
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,174/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,263
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,967
−HK$714/mo
Today · 4.125%
HK$27,681
baseline
▲ 0.50% · 4.625%
HK$29,141
+HK$1,460/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,362/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,541
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,398
−HK$871/mo
Today · 4.125%
HK$29,269
baseline
▲ 0.50% · 4.625%
HK$31,049
+HK$1,780/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,538/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,640
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,461
−HK$834/mo
Today · 4.125%
HK$32,295
baseline
▲ 0.50% · 4.625%
HK$33,997
+HK$1,702/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,590/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,410
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,512
−HK$1,119/mo
Today · 4.125%
HK$37,631
baseline
▲ 0.50% · 4.625%
HK$39,921
+HK$2,290/mo
Deposit HK$863K · loan HK$7.76M · min. income ≈ HK$75,262/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,394
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,450
−HK$1,072/mo
Today · 4.125%
HK$41,522
baseline
▲ 0.50% · 4.625%
HK$43,711
+HK$2,189/mo
Deposit HK$863K · loan HK$7.76M · min. income ≈ HK$83,044/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,820 · 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).