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$19,659
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,270
−HK$622/mo
Today · 4.125%
HK$20,892
baseline
▲ 0.50% · 4.625%
HK$22,163
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,784/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,870
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,457
−HK$595/mo
Today · 4.125%
HK$23,052
baseline
▲ 0.50% · 4.625%
HK$24,267
+HK$1,215/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,104/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,591
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,324
−HK$746/mo
Today · 4.125%
HK$25,070
baseline
▲ 0.50% · 4.625%
HK$26,595
+HK$1,525/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,140/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,244
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,948
−HK$714/mo
Today · 4.125%
HK$27,662
baseline
▲ 0.50% · 4.625%
HK$29,120
+HK$1,458/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,324/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,522
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,378
−HK$870/mo
Today · 4.125%
HK$29,248
baseline
▲ 0.50% · 4.625%
HK$31,028
+HK$1,780/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$58,496/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,618
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,440
−HK$833/mo
Today · 4.125%
HK$32,273
baseline
▲ 0.50% · 4.625%
HK$33,974
+HK$1,701/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$64,546/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,386
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,487
−HK$1,118/mo
Today · 4.125%
HK$37,605
baseline
▲ 0.50% · 4.625%
HK$39,893
+HK$2,288/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,210/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,366
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,422
−HK$1,071/mo
Today · 4.125%
HK$41,493
baseline
▲ 0.50% · 4.625%
HK$43,681
+HK$2,188/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$82,986/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,640 · 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).