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$19,694
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,307
−HK$622/mo
Today · 4.125%
HK$20,929
baseline
▲ 0.50% · 4.625%
HK$22,203
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,858/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,910
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,497
−HK$596/mo
Today · 4.125%
HK$23,093
baseline
▲ 0.50% · 4.625%
HK$24,311
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,186/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,633
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,368
−HK$747/mo
Today · 4.125%
HK$25,115
baseline
▲ 0.50% · 4.625%
HK$26,643
+HK$1,528/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,230/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,292
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,997
−HK$715/mo
Today · 4.125%
HK$27,712
baseline
▲ 0.50% · 4.625%
HK$29,173
+HK$1,461/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,424/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,572
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,430
−HK$871/mo
Today · 4.125%
HK$29,301
baseline
▲ 0.50% · 4.625%
HK$31,084
+HK$1,783/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,602/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,674
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,496
−HK$835/mo
Today · 4.125%
HK$32,331
baseline
▲ 0.50% · 4.625%
HK$34,035
+HK$1,704/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,662/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,450
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,552
−HK$1,121/mo
Today · 4.125%
HK$37,673
baseline
▲ 0.50% · 4.625%
HK$39,965
+HK$2,292/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$75,346/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,437
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,495
−HK$1,073/mo
Today · 4.125%
HK$41,568
baseline
▲ 0.50% · 4.625%
HK$43,759
+HK$2,191/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$83,136/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,107 · 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).