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$19,680
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,292
−HK$622/mo
Today · 4.125%
HK$20,914
baseline
▲ 0.50% · 4.625%
HK$22,187
+HK$1,273/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,828/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,894
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,481
−HK$596/mo
Today · 4.125%
HK$23,077
baseline
▲ 0.50% · 4.625%
HK$24,293
+HK$1,216/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,154/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,616
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,351
−HK$746/mo
Today · 4.125%
HK$25,097
baseline
▲ 0.50% · 4.625%
HK$26,624
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,194/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,273
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,977
−HK$715/mo
Today · 4.125%
HK$27,692
baseline
▲ 0.50% · 4.625%
HK$29,152
+HK$1,460/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,384/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,552
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,409
−HK$871/mo
Today · 4.125%
HK$29,280
baseline
▲ 0.50% · 4.625%
HK$31,061
+HK$1,781/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,560/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,651
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,473
−HK$834/mo
Today · 4.125%
HK$32,307
baseline
▲ 0.50% · 4.625%
HK$34,010
+HK$1,703/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,614/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,424
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,526
−HK$1,120/mo
Today · 4.125%
HK$37,646
baseline
▲ 0.50% · 4.625%
HK$39,936
+HK$2,290/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,292/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,409
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,466
−HK$1,072/mo
Today · 4.125%
HK$41,538
baseline
▲ 0.50% · 4.625%
HK$43,728
+HK$2,190/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,076/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,920 · 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).