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$19,701
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,314
−HK$622/mo
Today · 4.125%
HK$20,936
baseline
▲ 0.50% · 4.625%
HK$22,210
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,872/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,917
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,505
−HK$596/mo
Today · 4.125%
HK$23,101
baseline
▲ 0.50% · 4.625%
HK$24,319
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,202/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,641
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,377
−HK$747/mo
Today · 4.125%
HK$25,124
baseline
▲ 0.50% · 4.625%
HK$26,652
+HK$1,528/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$50,248/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,301
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$27,006
−HK$715/mo
Today · 4.125%
HK$27,721
baseline
▲ 0.50% · 4.625%
HK$29,183
+HK$1,462/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$55,442/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,581
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,439
−HK$872/mo
Today · 4.125%
HK$29,311
baseline
▲ 0.50% · 4.625%
HK$31,094
+HK$1,783/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,622/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,684
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,507
−HK$835/mo
Today · 4.125%
HK$32,342
baseline
▲ 0.50% · 4.625%
HK$34,047
+HK$1,705/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,684/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,462
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,565
−HK$1,121/mo
Today · 4.125%
HK$37,686
baseline
▲ 0.50% · 4.625%
HK$39,979
+HK$2,293/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$75,372/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,451
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,509
−HK$1,073/mo
Today · 4.125%
HK$41,582
baseline
▲ 0.50% · 4.625%
HK$43,774
+HK$2,192/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$83,164/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,195 · 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).