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$19,718
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,332
−HK$623/mo
Today · 4.125%
HK$20,955
baseline
▲ 0.50% · 4.625%
HK$22,230
+HK$1,275/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,910/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,937
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,525
−HK$597/mo
Today · 4.125%
HK$23,122
baseline
▲ 0.50% · 4.625%
HK$24,341
+HK$1,219/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,244/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,662
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,398
−HK$748/mo
Today · 4.125%
HK$25,146
baseline
▲ 0.50% · 4.625%
HK$26,676
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,292/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,324
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,030
−HK$716/mo
Today · 4.125%
HK$27,746
baseline
▲ 0.50% · 4.625%
HK$29,209
+HK$1,463/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,492/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,606
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,465
−HK$872/mo
Today · 4.125%
HK$29,337
baseline
▲ 0.50% · 4.625%
HK$31,122
+HK$1,785/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,674/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,711
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,535
−HK$835/mo
Today · 4.125%
HK$32,370
baseline
▲ 0.50% · 4.625%
HK$34,077
+HK$1,707/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,740/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,493
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,597
−HK$1,122/mo
Today · 4.125%
HK$37,719
baseline
▲ 0.50% · 4.625%
HK$40,014
+HK$2,295/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$75,438/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,486
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,545
−HK$1,074/mo
Today · 4.125%
HK$41,619
baseline
▲ 0.50% · 4.625%
HK$43,813
+HK$2,194/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$83,238/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,425 · 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).