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$19,650
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,261
−HK$621/mo
Today · 4.125%
HK$20,882
baseline
▲ 0.50% · 4.625%
HK$22,153
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,764/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,860
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,447
−HK$594/mo
Today · 4.125%
HK$23,041
baseline
▲ 0.50% · 4.625%
HK$24,256
+HK$1,215/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,082/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,580
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,313
−HK$745/mo
Today · 4.125%
HK$25,058
baseline
▲ 0.50% · 4.625%
HK$26,583
+HK$1,525/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,116/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,232
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,936
−HK$714/mo
Today · 4.125%
HK$27,650
baseline
▲ 0.50% · 4.625%
HK$29,107
+HK$1,457/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,300/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,510
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,365
−HK$870/mo
Today · 4.125%
HK$29,235
baseline
▲ 0.50% · 4.625%
HK$31,014
+HK$1,779/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$58,470/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,604
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,425
−HK$833/mo
Today · 4.125%
HK$32,258
baseline
▲ 0.50% · 4.625%
HK$33,958
+HK$1,700/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$64,516/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,370
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,470
−HK$1,118/mo
Today · 4.125%
HK$37,588
baseline
▲ 0.50% · 4.625%
HK$39,875
+HK$2,287/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,176/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,348
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,404
−HK$1,070/mo
Today · 4.125%
HK$41,474
baseline
▲ 0.50% · 4.625%
HK$43,660
+HK$2,186/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$82,948/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,522 · 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).