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$19,662
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,274
−HK$621/mo
Today · 4.125%
HK$20,895
baseline
▲ 0.50% · 4.625%
HK$22,167
+HK$1,272/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,790/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,874
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,461
−HK$595/mo
Today · 4.125%
HK$23,056
baseline
▲ 0.50% · 4.625%
HK$24,271
+HK$1,215/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,112/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,595
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,328
−HK$746/mo
Today · 4.125%
HK$25,074
baseline
▲ 0.50% · 4.625%
HK$26,600
+HK$1,526/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,148/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,249
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,953
−HK$714/mo
Today · 4.125%
HK$27,667
baseline
▲ 0.50% · 4.625%
HK$29,125
+HK$1,458/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,334/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,527
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,383
−HK$870/mo
Today · 4.125%
HK$29,253
baseline
▲ 0.50% · 4.625%
HK$31,033
+HK$1,780/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,506/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,623
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,445
−HK$833/mo
Today · 4.125%
HK$32,278
baseline
▲ 0.50% · 4.625%
HK$33,979
+HK$1,701/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,556/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,392
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,493
−HK$1,118/mo
Today · 4.125%
HK$37,611
baseline
▲ 0.50% · 4.625%
HK$39,900
+HK$2,289/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,222/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,373
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,429
−HK$1,071/mo
Today · 4.125%
HK$41,500
baseline
▲ 0.50% · 4.625%
HK$43,688
+HK$2,188/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$83,000/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,683 · 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).