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$19,653
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,265
−HK$621/mo
Today · 4.125%
HK$20,886
baseline
▲ 0.50% · 4.625%
HK$22,157
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,772/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,864
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,451
−HK$594/mo
Today · 4.125%
HK$23,045
baseline
▲ 0.50% · 4.625%
HK$24,260
+HK$1,215/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,090/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,584
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,318
−HK$745/mo
Today · 4.125%
HK$25,063
baseline
▲ 0.50% · 4.625%
HK$26,588
+HK$1,525/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,126/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,237
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,941
−HK$713/mo
Today · 4.125%
HK$27,654
baseline
▲ 0.50% · 4.625%
HK$29,112
+HK$1,458/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,308/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,515
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,371
−HK$869/mo
Today · 4.125%
HK$29,240
baseline
▲ 0.50% · 4.625%
HK$31,019
+HK$1,779/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$58,480/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,610
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,431
−HK$833/mo
Today · 4.125%
HK$32,264
baseline
▲ 0.50% · 4.625%
HK$33,964
+HK$1,700/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$64,528/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,376
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,476
−HK$1,118/mo
Today · 4.125%
HK$37,594
baseline
▲ 0.50% · 4.625%
HK$39,882
+HK$2,288/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,188/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,355
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,411
−HK$1,071/mo
Today · 4.125%
HK$41,482
baseline
▲ 0.50% · 4.625%
HK$43,668
+HK$2,186/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$82,964/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,568 · 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).