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$19,657
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,269
−HK$621/mo
Today · 4.125%
HK$20,890
baseline
▲ 0.50% · 4.625%
HK$22,161
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,780/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,868
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,455
−HK$595/mo
Today · 4.125%
HK$23,050
baseline
▲ 0.50% · 4.625%
HK$24,265
+HK$1,215/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,100/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,589
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,322
−HK$746/mo
Today · 4.125%
HK$25,068
baseline
▲ 0.50% · 4.625%
HK$26,593
+HK$1,525/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,136/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,242
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,946
−HK$714/mo
Today · 4.125%
HK$27,660
baseline
▲ 0.50% · 4.625%
HK$29,118
+HK$1,458/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,320/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,520
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,376
−HK$870/mo
Today · 4.125%
HK$29,246
baseline
▲ 0.50% · 4.625%
HK$31,025
+HK$1,779/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$58,492/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,616
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,437
−HK$833/mo
Today · 4.125%
HK$32,270
baseline
▲ 0.50% · 4.625%
HK$33,971
+HK$1,701/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$64,540/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,383
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,484
−HK$1,118/mo
Today · 4.125%
HK$37,602
baseline
▲ 0.50% · 4.625%
HK$39,890
+HK$2,288/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,204/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,363
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,419
−HK$1,071/mo
Today · 4.125%
HK$41,490
baseline
▲ 0.50% · 4.625%
HK$43,677
+HK$2,187/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$82,980/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,618 · 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).