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$1,236/mo
▼ 0.25% · 3.875%
HK$20,313
−HK$623/mo
Today · 4.125%
HK$20,936
baseline
▲ 0.50% · 4.625%
HK$22,210
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,872/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,917
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,504
−HK$597/mo
Today · 4.125%
HK$23,101
baseline
▲ 0.50% · 4.625%
HK$24,318
+HK$1,217/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,202/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,641
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,376
−HK$747/mo
Today · 4.125%
HK$25,123
baseline
▲ 0.50% · 4.625%
HK$26,652
+HK$1,529/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$50,246/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,300
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,005
−HK$716/mo
Today · 4.125%
HK$27,721
baseline
▲ 0.50% · 4.625%
HK$29,182
+HK$1,461/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$55,442/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,581
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,439
−HK$871/mo
Today · 4.125%
HK$29,310
baseline
▲ 0.50% · 4.625%
HK$31,094
+HK$1,784/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,620/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,683
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,506
−HK$835/mo
Today · 4.125%
HK$32,341
baseline
▲ 0.50% · 4.625%
HK$34,046
+HK$1,705/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,682/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,461
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,564
−HK$1,121/mo
Today · 4.125%
HK$37,685
baseline
▲ 0.50% · 4.625%
HK$39,978
+HK$2,293/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$75,370/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,450
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,508
−HK$1,073/mo
Today · 4.125%
HK$41,581
baseline
▲ 0.50% · 4.625%
HK$43,773
+HK$2,192/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$83,162/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,188 · 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).