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$19,643
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,254
−HK$621/mo
Today · 4.125%
HK$20,875
baseline
▲ 0.50% · 4.625%
HK$22,145
+HK$1,270/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,750/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,853
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,439
−HK$595/mo
Today · 4.125%
HK$23,034
baseline
▲ 0.50% · 4.625%
HK$24,248
+HK$1,214/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,068/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,572
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,305
−HK$745/mo
Today · 4.125%
HK$25,050
baseline
▲ 0.50% · 4.625%
HK$26,575
+HK$1,525/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,100/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,224
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,927
−HK$714/mo
Today · 4.125%
HK$27,641
baseline
▲ 0.50% · 4.625%
HK$29,097
+HK$1,456/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,282/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,501
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,356
−HK$869/mo
Today · 4.125%
HK$29,225
baseline
▲ 0.50% · 4.625%
HK$31,004
+HK$1,779/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,450/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,594
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,415
−HK$832/mo
Today · 4.125%
HK$32,247
baseline
▲ 0.50% · 4.625%
HK$33,947
+HK$1,700/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,494/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,358
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,458
−HK$1,117/mo
Today · 4.125%
HK$37,575
baseline
▲ 0.50% · 4.625%
HK$39,862
+HK$2,287/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,150/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,336
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,391
−HK$1,070/mo
Today · 4.125%
HK$41,461
baseline
▲ 0.50% · 4.625%
HK$43,646
+HK$2,185/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,922/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,437 · 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).