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$19,668
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,280
−HK$621/mo
Today · 4.125%
HK$20,901
baseline
▲ 0.50% · 4.625%
HK$22,173
+HK$1,272/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,802/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,880
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,467
−HK$595/mo
Today · 4.125%
HK$23,062
baseline
▲ 0.50% · 4.625%
HK$24,278
+HK$1,216/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,124/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,601
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,336
−HK$745/mo
Today · 4.125%
HK$25,081
baseline
▲ 0.50% · 4.625%
HK$26,608
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,162/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,256
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,960
−HK$715/mo
Today · 4.125%
HK$27,675
baseline
▲ 0.50% · 4.625%
HK$29,134
+HK$1,459/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,350/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,535
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,391
−HK$871/mo
Today · 4.125%
HK$29,262
baseline
▲ 0.50% · 4.625%
HK$31,042
+HK$1,780/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,524/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,632
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,454
−HK$833/mo
Today · 4.125%
HK$32,287
baseline
▲ 0.50% · 4.625%
HK$33,989
+HK$1,702/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,574/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,402
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,503
−HK$1,119/mo
Today · 4.125%
HK$37,622
baseline
▲ 0.50% · 4.625%
HK$39,911
+HK$2,289/mo
Deposit HK$863K · loan HK$7.76M · min. income ≈ HK$75,244/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,384
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,441
−HK$1,071/mo
Today · 4.125%
HK$41,512
baseline
▲ 0.50% · 4.625%
HK$43,700
+HK$2,188/mo
Deposit HK$863K · loan HK$7.76M · min. income ≈ HK$83,024/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,759 · 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).