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$19,708
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,321
−HK$623/mo
Today · 4.125%
HK$20,944
baseline
▲ 0.50% · 4.625%
HK$22,218
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,888/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,925
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,513
−HK$597/mo
Today · 4.125%
HK$23,110
baseline
▲ 0.50% · 4.625%
HK$24,328
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,220/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,650
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,385
−HK$748/mo
Today · 4.125%
HK$25,133
baseline
▲ 0.50% · 4.625%
HK$26,662
+HK$1,529/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,266/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,310
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,016
−HK$716/mo
Today · 4.125%
HK$27,732
baseline
▲ 0.50% · 4.625%
HK$29,193
+HK$1,461/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,464/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,591
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,450
−HK$872/mo
Today · 4.125%
HK$29,322
baseline
▲ 0.50% · 4.625%
HK$31,106
+HK$1,784/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,644/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,695
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,518
−HK$836/mo
Today · 4.125%
HK$32,354
baseline
▲ 0.50% · 4.625%
HK$34,059
+HK$1,705/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,708/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,475
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,578
−HK$1,121/mo
Today · 4.125%
HK$37,699
baseline
▲ 0.50% · 4.625%
HK$39,993
+HK$2,294/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$75,398/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,465
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,524
−HK$1,073/mo
Today · 4.125%
HK$41,597
baseline
▲ 0.50% · 4.625%
HK$43,790
+HK$2,193/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$83,194/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,289 · 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).