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$20,279
−HK$621/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$258,748 · 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$258,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,600
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,335
−HK$745/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$258,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,255
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,959
−HK$715/mo
Today · 4.125%
HK$27,674
baseline
▲ 0.50% · 4.625%
HK$29,132
+HK$1,458/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,348/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,534
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,390
−HK$870/mo
Today · 4.125%
HK$29,260
baseline
▲ 0.50% · 4.625%
HK$31,041
+HK$1,781/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$258,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,631
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,453
−HK$833/mo
Today · 4.125%
HK$32,286
baseline
▲ 0.50% · 4.625%
HK$33,988
+HK$1,702/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$258,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,401
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,502
−HK$1,119/mo
Today · 4.125%
HK$37,621
baseline
▲ 0.50% · 4.625%
HK$39,910
+HK$2,289/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,242/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,383
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,439
−HK$1,072/mo
Today · 4.125%
HK$41,511
baseline
▲ 0.50% · 4.625%
HK$43,699
+HK$2,188/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$83,022/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,748 · 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).