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$19,658
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,270
−HK$621/mo
Today · 4.125%
HK$20,891
baseline
▲ 0.50% · 4.625%
HK$22,162
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,782/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,869
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,456
−HK$595/mo
Today · 4.125%
HK$23,051
baseline
▲ 0.50% · 4.625%
HK$24,266
+HK$1,215/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,102/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,590
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,323
−HK$746/mo
Today · 4.125%
HK$25,069
baseline
▲ 0.50% · 4.625%
HK$26,594
+HK$1,525/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,138/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,243
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,947
−HK$714/mo
Today · 4.125%
HK$27,661
baseline
▲ 0.50% · 4.625%
HK$29,119
+HK$1,458/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,322/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,521
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,377
−HK$870/mo
Today · 4.125%
HK$29,247
baseline
▲ 0.50% · 4.625%
HK$31,027
+HK$1,780/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$58,494/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,617
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,438
−HK$833/mo
Today · 4.125%
HK$32,271
baseline
▲ 0.50% · 4.625%
HK$33,972
+HK$1,701/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$64,542/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,385
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,485
−HK$1,119/mo
Today · 4.125%
HK$37,604
baseline
▲ 0.50% · 4.625%
HK$39,892
+HK$2,288/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,208/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,365
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,421
−HK$1,071/mo
Today · 4.125%
HK$41,492
baseline
▲ 0.50% · 4.625%
HK$43,679
+HK$2,187/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$82,984/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,631 · 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).