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$19,667
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,278
−HK$622/mo
Today · 4.125%
HK$20,900
baseline
▲ 0.50% · 4.625%
HK$22,172
+HK$1,272/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,800/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,879
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,466
−HK$595/mo
Today · 4.125%
HK$23,061
baseline
▲ 0.50% · 4.625%
HK$24,277
+HK$1,216/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,122/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,600
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,334
−HK$746/mo
Today · 4.125%
HK$25,080
baseline
▲ 0.50% · 4.625%
HK$26,606
+HK$1,526/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,160/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,255
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,959
−HK$714/mo
Today · 4.125%
HK$27,673
baseline
▲ 0.50% · 4.625%
HK$29,132
+HK$1,459/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,346/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,533
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,390
−HK$870/mo
Today · 4.125%
HK$29,260
baseline
▲ 0.50% · 4.625%
HK$31,040
+HK$1,780/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,520/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,631
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,452
−HK$834/mo
Today · 4.125%
HK$32,286
baseline
▲ 0.50% · 4.625%
HK$33,987
+HK$1,701/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,572/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,400
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,501
−HK$1,119/mo
Today · 4.125%
HK$37,620
baseline
▲ 0.50% · 4.625%
HK$39,909
+HK$2,289/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,240/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,382
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,438
−HK$1,072/mo
Today · 4.125%
HK$41,510
baseline
▲ 0.50% · 4.625%
HK$43,698
+HK$2,188/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$83,020/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,744 · 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).