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$19,645
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,256
−HK$621/mo
Today · 4.125%
HK$20,877
baseline
▲ 0.50% · 4.625%
HK$22,147
+HK$1,270/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,754/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,855
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,441
−HK$595/mo
Today · 4.125%
HK$23,036
baseline
▲ 0.50% · 4.625%
HK$24,250
+HK$1,214/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,072/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,574
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,308
−HK$745/mo
Today · 4.125%
HK$25,053
baseline
▲ 0.50% · 4.625%
HK$26,577
+HK$1,524/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,106/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,226
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,929
−HK$714/mo
Today · 4.125%
HK$27,643
baseline
▲ 0.50% · 4.625%
HK$29,100
+HK$1,457/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,286/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,503
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,359
−HK$869/mo
Today · 4.125%
HK$29,228
baseline
▲ 0.50% · 4.625%
HK$31,006
+HK$1,778/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,456/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,597
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,418
−HK$832/mo
Today · 4.125%
HK$32,250
baseline
▲ 0.50% · 4.625%
HK$33,950
+HK$1,700/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,500/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,361
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,461
−HK$1,118/mo
Today · 4.125%
HK$37,579
baseline
▲ 0.50% · 4.625%
HK$39,865
+HK$2,286/mo
Deposit HK$862K · loan HK$7.75M · min. income ≈ HK$75,158/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,339
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,394
−HK$1,071/mo
Today · 4.125%
HK$41,465
baseline
▲ 0.50% · 4.625%
HK$43,650
+HK$2,185/mo
Deposit HK$862K · loan HK$7.75M · min. income ≈ HK$82,930/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,461 · 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).