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$19,665
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,277
−HK$622/mo
Today · 4.125%
HK$20,899
baseline
▲ 0.50% · 4.625%
HK$22,170
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,798/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,878
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,464
−HK$595/mo
Today · 4.125%
HK$23,059
baseline
▲ 0.50% · 4.625%
HK$24,275
+HK$1,216/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,118/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,598
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,332
−HK$746/mo
Today · 4.125%
HK$25,078
baseline
▲ 0.50% · 4.625%
HK$26,604
+HK$1,526/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,156/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,253
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,957
−HK$714/mo
Today · 4.125%
HK$27,671
baseline
▲ 0.50% · 4.625%
HK$29,130
+HK$1,459/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,342/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,531
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,388
−HK$870/mo
Today · 4.125%
HK$29,258
baseline
▲ 0.50% · 4.625%
HK$31,038
+HK$1,780/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,516/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,629
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,450
−HK$833/mo
Today · 4.125%
HK$32,283
baseline
▲ 0.50% · 4.625%
HK$33,985
+HK$1,702/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,566/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,398
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,499
−HK$1,118/mo
Today · 4.125%
HK$37,617
baseline
▲ 0.50% · 4.625%
HK$39,906
+HK$2,289/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,234/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,380
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,436
−HK$1,071/mo
Today · 4.125%
HK$41,507
baseline
▲ 0.50% · 4.625%
HK$43,695
+HK$2,188/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$83,014/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,726 · 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).