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$19,669
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,281
−HK$622/mo
Today · 4.125%
HK$20,903
baseline
▲ 0.50% · 4.625%
HK$22,174
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,806/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,882
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,469
−HK$595/mo
Today · 4.125%
HK$23,064
baseline
▲ 0.50% · 4.625%
HK$24,280
+HK$1,216/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,128/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,603
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,337
−HK$746/mo
Today · 4.125%
HK$25,083
baseline
▲ 0.50% · 4.625%
HK$26,609
+HK$1,526/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,166/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,258
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,962
−HK$715/mo
Today · 4.125%
HK$27,677
baseline
▲ 0.50% · 4.625%
HK$29,136
+HK$1,459/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,354/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,537
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,393
−HK$871/mo
Today · 4.125%
HK$29,264
baseline
▲ 0.50% · 4.625%
HK$31,044
+HK$1,780/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,528/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,634
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,456
−HK$833/mo
Today · 4.125%
HK$32,289
baseline
▲ 0.50% · 4.625%
HK$33,991
+HK$1,702/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,578/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,404
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,506
−HK$1,119/mo
Today · 4.125%
HK$37,625
baseline
▲ 0.50% · 4.625%
HK$39,914
+HK$2,289/mo
Deposit HK$863K · loan HK$7.76M · min. income ≈ HK$75,250/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,387
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,443
−HK$1,072/mo
Today · 4.125%
HK$41,515
baseline
▲ 0.50% · 4.625%
HK$43,703
+HK$2,188/mo
Deposit HK$863K · loan HK$7.76M · min. income ≈ HK$83,030/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,775 · 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).