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$19,700
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,312
−HK$623/mo
Today · 4.125%
HK$20,935
baseline
▲ 0.50% · 4.625%
HK$22,209
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,870/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,916
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,503
−HK$597/mo
Today · 4.125%
HK$23,100
baseline
▲ 0.50% · 4.625%
HK$24,317
+HK$1,217/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,200/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,639
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,375
−HK$747/mo
Today · 4.125%
HK$25,122
baseline
▲ 0.50% · 4.625%
HK$26,651
+HK$1,529/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$50,244/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,299
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,004
−HK$716/mo
Today · 4.125%
HK$27,720
baseline
▲ 0.50% · 4.625%
HK$29,181
+HK$1,461/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$55,440/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,579
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,437
−HK$872/mo
Today · 4.125%
HK$29,309
baseline
▲ 0.50% · 4.625%
HK$31,092
+HK$1,783/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,618/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,682
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,505
−HK$834/mo
Today · 4.125%
HK$32,339
baseline
▲ 0.50% · 4.625%
HK$34,044
+HK$1,705/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,678/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,459
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,562
−HK$1,121/mo
Today · 4.125%
HK$37,683
baseline
▲ 0.50% · 4.625%
HK$39,976
+HK$2,293/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$75,366/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,448
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,506
−HK$1,073/mo
Today · 4.125%
HK$41,579
baseline
▲ 0.50% · 4.625%
HK$43,771
+HK$2,192/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$83,158/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,176 · 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).