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$19,683
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,295
−HK$622/mo
Today · 4.125%
HK$20,917
baseline
▲ 0.50% · 4.625%
HK$22,190
+HK$1,273/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,834/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,897
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,484
−HK$596/mo
Today · 4.125%
HK$23,080
baseline
▲ 0.50% · 4.625%
HK$24,296
+HK$1,216/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,160/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,619
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,354
−HK$746/mo
Today · 4.125%
HK$25,100
baseline
▲ 0.50% · 4.625%
HK$26,627
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,200/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,276
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,981
−HK$715/mo
Today · 4.125%
HK$27,696
baseline
▲ 0.50% · 4.625%
HK$29,155
+HK$1,459/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,392/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,556
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,413
−HK$871/mo
Today · 4.125%
HK$29,284
baseline
▲ 0.50% · 4.625%
HK$31,065
+HK$1,781/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,568/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,655
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,477
−HK$835/mo
Today · 4.125%
HK$32,312
baseline
▲ 0.50% · 4.625%
HK$34,015
+HK$1,703/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,624/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,429
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,531
−HK$1,119/mo
Today · 4.125%
HK$37,650
baseline
▲ 0.50% · 4.625%
HK$39,941
+HK$2,291/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,300/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,414
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,471
−HK$1,072/mo
Today · 4.125%
HK$41,543
baseline
▲ 0.50% · 4.625%
HK$43,733
+HK$2,190/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,086/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,952 · 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).