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$19,691
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,304
−HK$622/mo
Today · 4.125%
HK$20,926
baseline
▲ 0.50% · 4.625%
HK$22,199
+HK$1,273/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,852/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,906
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,494
−HK$596/mo
Today · 4.125%
HK$23,090
baseline
▲ 0.50% · 4.625%
HK$24,307
+HK$1,217/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,180/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,629
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,364
−HK$747/mo
Today · 4.125%
HK$25,111
baseline
▲ 0.50% · 4.625%
HK$26,639
+HK$1,528/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,222/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,287
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$26,992
−HK$716/mo
Today · 4.125%
HK$27,708
baseline
▲ 0.50% · 4.625%
HK$29,168
+HK$1,460/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,416/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,567
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,425
−HK$871/mo
Today · 4.125%
HK$29,296
baseline
▲ 0.50% · 4.625%
HK$31,079
+HK$1,783/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,592/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,669
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,491
−HK$834/mo
Today · 4.125%
HK$32,325
baseline
▲ 0.50% · 4.625%
HK$34,029
+HK$1,704/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,650/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,444
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,546
−HK$1,121/mo
Today · 4.125%
HK$37,667
baseline
▲ 0.50% · 4.625%
HK$39,958
+HK$2,291/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$75,334/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,431
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,489
−HK$1,072/mo
Today · 4.125%
HK$41,561
baseline
▲ 0.50% · 4.625%
HK$43,752
+HK$2,191/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$83,122/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,064 · 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).