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$19,676
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,288
−HK$621/mo
Today · 4.125%
HK$20,909
baseline
▲ 0.50% · 4.625%
HK$22,182
+HK$1,273/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,818/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,889
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,476
−HK$595/mo
Today · 4.125%
HK$23,071
baseline
▲ 0.50% · 4.625%
HK$24,288
+HK$1,217/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,142/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,611
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,345
−HK$746/mo
Today · 4.125%
HK$25,091
baseline
▲ 0.50% · 4.625%
HK$26,618
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,182/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,267
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,971
−HK$715/mo
Today · 4.125%
HK$27,686
baseline
▲ 0.50% · 4.625%
HK$29,145
+HK$1,459/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,372/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,546
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,403
−HK$870/mo
Today · 4.125%
HK$29,273
baseline
▲ 0.50% · 4.625%
HK$31,054
+HK$1,781/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,546/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,644
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,466
−HK$834/mo
Today · 4.125%
HK$32,300
baseline
▲ 0.50% · 4.625%
HK$34,003
+HK$1,703/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,600/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,416
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,518
−HK$1,119/mo
Today · 4.125%
HK$37,637
baseline
▲ 0.50% · 4.625%
HK$39,927
+HK$2,290/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,274/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,400
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,457
−HK$1,072/mo
Today · 4.125%
HK$41,529
baseline
▲ 0.50% · 4.625%
HK$43,718
+HK$2,189/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,058/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,860 · 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).