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$19,652
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,263
−HK$621/mo
Today · 4.125%
HK$20,884
baseline
▲ 0.50% · 4.625%
HK$22,155
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,768/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,863
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,449
−HK$595/mo
Today · 4.125%
HK$23,044
baseline
▲ 0.50% · 4.625%
HK$24,258
+HK$1,214/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,088/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,582
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,316
−HK$745/mo
Today · 4.125%
HK$25,061
baseline
▲ 0.50% · 4.625%
HK$26,586
+HK$1,525/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,122/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,235
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,939
−HK$714/mo
Today · 4.125%
HK$27,653
baseline
▲ 0.50% · 4.625%
HK$29,110
+HK$1,457/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,306/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,513
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,369
−HK$869/mo
Today · 4.125%
HK$29,238
baseline
▲ 0.50% · 4.625%
HK$31,017
+HK$1,779/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$58,476/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,608
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,429
−HK$832/mo
Today · 4.125%
HK$32,261
baseline
▲ 0.50% · 4.625%
HK$33,962
+HK$1,701/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$64,522/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,374
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,474
−HK$1,118/mo
Today · 4.125%
HK$37,592
baseline
▲ 0.50% · 4.625%
HK$39,879
+HK$2,287/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,184/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,353
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,408
−HK$1,071/mo
Today · 4.125%
HK$41,479
baseline
▲ 0.50% · 4.625%
HK$43,665
+HK$2,186/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$82,958/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,550 · 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).