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$19,720
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,334
−HK$623/mo
Today · 4.125%
HK$20,957
baseline
▲ 0.50% · 4.625%
HK$22,232
+HK$1,275/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,914/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,939
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,527
−HK$597/mo
Today · 4.125%
HK$23,124
baseline
▲ 0.50% · 4.625%
HK$24,343
+HK$1,219/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,248/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,664
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,401
−HK$747/mo
Today · 4.125%
HK$25,148
baseline
▲ 0.50% · 4.625%
HK$26,679
+HK$1,531/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,296/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,326
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,033
−HK$716/mo
Today · 4.125%
HK$27,749
baseline
▲ 0.50% · 4.625%
HK$29,212
+HK$1,463/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,498/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,609
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,467
−HK$873/mo
Today · 4.125%
HK$29,340
baseline
▲ 0.50% · 4.625%
HK$31,125
+HK$1,785/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,680/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,714
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,538
−HK$836/mo
Today · 4.125%
HK$32,374
baseline
▲ 0.50% · 4.625%
HK$34,080
+HK$1,706/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,748/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,497
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,601
−HK$1,122/mo
Today · 4.125%
HK$37,723
baseline
▲ 0.50% · 4.625%
HK$40,018
+HK$2,295/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$75,446/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,490
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,549
−HK$1,074/mo
Today · 4.125%
HK$41,623
baseline
▲ 0.50% · 4.625%
HK$43,817
+HK$2,194/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$83,246/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,450 · 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).