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$19,670
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,282
−HK$622/mo
Today · 4.125%
HK$20,904
baseline
▲ 0.50% · 4.625%
HK$22,175
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,808/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,883
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,470
−HK$595/mo
Today · 4.125%
HK$23,065
baseline
▲ 0.50% · 4.625%
HK$24,281
+HK$1,216/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,130/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,604
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,338
−HK$746/mo
Today · 4.125%
HK$25,084
baseline
▲ 0.50% · 4.625%
HK$26,611
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,168/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,259
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,963
−HK$715/mo
Today · 4.125%
HK$27,678
baseline
▲ 0.50% · 4.625%
HK$29,137
+HK$1,459/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,356/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,538
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,395
−HK$870/mo
Today · 4.125%
HK$29,265
baseline
▲ 0.50% · 4.625%
HK$31,046
+HK$1,781/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,530/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,636
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,457
−HK$834/mo
Today · 4.125%
HK$32,291
baseline
▲ 0.50% · 4.625%
HK$33,993
+HK$1,702/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,582/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,406
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,507
−HK$1,119/mo
Today · 4.125%
HK$37,626
baseline
▲ 0.50% · 4.625%
HK$39,916
+HK$2,290/mo
Deposit HK$863K · loan HK$7.76M · min. income ≈ HK$75,252/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,389
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,445
−HK$1,072/mo
Today · 4.125%
HK$41,517
baseline
▲ 0.50% · 4.625%
HK$43,705
+HK$2,188/mo
Deposit HK$863K · loan HK$7.76M · min. income ≈ HK$83,034/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,787 · 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).