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$19,709
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,322
−HK$623/mo
Today · 4.125%
HK$20,945
baseline
▲ 0.50% · 4.625%
HK$22,220
+HK$1,275/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,890/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,926
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,514
−HK$597/mo
Today · 4.125%
HK$23,111
baseline
▲ 0.50% · 4.625%
HK$24,329
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,222/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,651
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,387
−HK$747/mo
Today · 4.125%
HK$25,134
baseline
▲ 0.50% · 4.625%
HK$26,664
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,268/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,312
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,017
−HK$716/mo
Today · 4.125%
HK$27,733
baseline
▲ 0.50% · 4.625%
HK$29,195
+HK$1,462/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,466/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,593
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,451
−HK$872/mo
Today · 4.125%
HK$29,323
baseline
▲ 0.50% · 4.625%
HK$31,107
+HK$1,784/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,646/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,697
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,520
−HK$835/mo
Today · 4.125%
HK$32,355
baseline
▲ 0.50% · 4.625%
HK$34,061
+HK$1,706/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,710/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,477
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,580
−HK$1,121/mo
Today · 4.125%
HK$37,701
baseline
▲ 0.50% · 4.625%
HK$39,995
+HK$2,294/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$75,402/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,467
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,526
−HK$1,074/mo
Today · 4.125%
HK$41,600
baseline
▲ 0.50% · 4.625%
HK$43,792
+HK$2,192/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$83,200/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,303 · 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).