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$19,688
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,300
−HK$622/mo
Today · 4.125%
HK$20,922
baseline
▲ 0.50% · 4.625%
HK$22,195
+HK$1,273/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,844/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,902
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,490
−HK$596/mo
Today · 4.125%
HK$23,086
baseline
▲ 0.50% · 4.625%
HK$24,302
+HK$1,216/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,172/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,625
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,360
−HK$747/mo
Today · 4.125%
HK$25,107
baseline
▲ 0.50% · 4.625%
HK$26,634
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,214/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,283
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,988
−HK$715/mo
Today · 4.125%
HK$27,703
baseline
▲ 0.50% · 4.625%
HK$29,163
+HK$1,460/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,406/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,563
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,420
−HK$871/mo
Today · 4.125%
HK$29,291
baseline
▲ 0.50% · 4.625%
HK$31,073
+HK$1,782/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,582/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,663
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,485
−HK$835/mo
Today · 4.125%
HK$32,320
baseline
▲ 0.50% · 4.625%
HK$34,023
+HK$1,703/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,640/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,438
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,540
−HK$1,120/mo
Today · 4.125%
HK$37,660
baseline
▲ 0.50% · 4.625%
HK$39,951
+HK$2,291/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,320/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,424
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,481
−HK$1,073/mo
Today · 4.125%
HK$41,554
baseline
▲ 0.50% · 4.625%
HK$43,744
+HK$2,190/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,108/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,018 · 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).