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$19,669
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,281
−HK$621/mo
Today · 4.125%
HK$20,902
baseline
▲ 0.50% · 4.625%
HK$22,174
+HK$1,272/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,804/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,882
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,468
−HK$596/mo
Today · 4.125%
HK$23,064
baseline
▲ 0.50% · 4.625%
HK$24,280
+HK$1,216/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,128/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,603
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,337
−HK$746/mo
Today · 4.125%
HK$25,083
baseline
▲ 0.50% · 4.625%
HK$26,609
+HK$1,526/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,166/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,258
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,962
−HK$715/mo
Today · 4.125%
HK$27,677
baseline
▲ 0.50% · 4.625%
HK$29,135
+HK$1,458/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,354/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,537
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,393
−HK$870/mo
Today · 4.125%
HK$29,263
baseline
▲ 0.50% · 4.625%
HK$31,044
+HK$1,781/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,526/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,634
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,456
−HK$833/mo
Today · 4.125%
HK$32,289
baseline
▲ 0.50% · 4.625%
HK$33,991
+HK$1,702/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,578/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,404
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,506
−HK$1,118/mo
Today · 4.125%
HK$37,624
baseline
▲ 0.50% · 4.625%
HK$39,914
+HK$2,290/mo
Deposit HK$863K · loan HK$7.76M · min. income ≈ HK$75,248/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,387
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,443
−HK$1,072/mo
Today · 4.125%
HK$41,515
baseline
▲ 0.50% · 4.625%
HK$43,703
+HK$2,188/mo
Deposit HK$863K · loan HK$7.76M · min. income ≈ HK$83,030/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,774 · 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).