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$19,685
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,297
−HK$623/mo
Today · 4.125%
HK$20,920
baseline
▲ 0.50% · 4.625%
HK$22,192
+HK$1,272/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,840/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$258,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,899
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,487
−HK$596/mo
Today · 4.125%
HK$23,083
baseline
▲ 0.50% · 4.625%
HK$24,299
+HK$1,216/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,166/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$258,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,622
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,357
−HK$746/mo
Today · 4.125%
HK$25,103
baseline
▲ 0.50% · 4.625%
HK$26,631
+HK$1,528/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,206/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,279
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,984
−HK$715/mo
Today · 4.125%
HK$27,699
baseline
▲ 0.50% · 4.625%
HK$29,159
+HK$1,460/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,398/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,559
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,416
−HK$871/mo
Today · 4.125%
HK$29,287
baseline
▲ 0.50% · 4.625%
HK$31,069
+HK$1,782/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,574/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,659
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,482
−HK$834/mo
Today · 4.125%
HK$32,316
baseline
▲ 0.50% · 4.625%
HK$34,019
+HK$1,703/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,632/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,433
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,535
−HK$1,120/mo
Today · 4.125%
HK$37,655
baseline
▲ 0.50% · 4.625%
HK$39,946
+HK$2,291/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,310/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,419
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,476
−HK$1,073/mo
Today · 4.125%
HK$41,549
baseline
▲ 0.50% · 4.625%
HK$43,739
+HK$2,190/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,098/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,986 · 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).