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$19,639
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,249
−HK$621/mo
Today · 4.125%
HK$20,870
baseline
▲ 0.50% · 4.625%
HK$22,140
+HK$1,270/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,740/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,848
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,434
−HK$594/mo
Today · 4.125%
HK$23,028
baseline
▲ 0.50% · 4.625%
HK$24,242
+HK$1,214/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,056/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,566
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,299
−HK$745/mo
Today · 4.125%
HK$25,044
baseline
▲ 0.50% · 4.625%
HK$26,568
+HK$1,524/mo
Deposit HK$3.44M · loan HK$5.17M · min. income ≈ HK$50,088/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,217
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,920
−HK$714/mo
Today · 4.125%
HK$27,634
baseline
▲ 0.50% · 4.625%
HK$29,090
+HK$1,456/mo
Deposit HK$3.44M · loan HK$5.17M · min. income ≈ HK$55,268/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,494
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,349
−HK$869/mo
Today · 4.125%
HK$29,218
baseline
▲ 0.50% · 4.625%
HK$30,996
+HK$1,778/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,436/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,587
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,407
−HK$832/mo
Today · 4.125%
HK$32,239
baseline
▲ 0.50% · 4.625%
HK$33,939
+HK$1,700/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,478/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,349
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,449
−HK$1,117/mo
Today · 4.125%
HK$37,566
baseline
▲ 0.50% · 4.625%
HK$39,852
+HK$2,286/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,132/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,326
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,381
−HK$1,069/mo
Today · 4.125%
HK$41,450
baseline
▲ 0.50% · 4.625%
HK$43,635
+HK$2,185/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,900/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,373 · 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).