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$19,706
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,319
−HK$623/mo
Today · 4.125%
HK$20,942
baseline
▲ 0.50% · 4.625%
HK$22,216
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,884/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,923
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,511
−HK$596/mo
Today · 4.125%
HK$23,107
baseline
▲ 0.50% · 4.625%
HK$24,325
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,214/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,647
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,383
−HK$747/mo
Today · 4.125%
HK$25,130
baseline
▲ 0.50% · 4.625%
HK$26,659
+HK$1,529/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,260/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,307
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,013
−HK$716/mo
Today · 4.125%
HK$27,729
baseline
▲ 0.50% · 4.625%
HK$29,190
+HK$1,461/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,458/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,588
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,447
−HK$871/mo
Today · 4.125%
HK$29,318
baseline
▲ 0.50% · 4.625%
HK$31,102
+HK$1,784/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,636/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,692
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,515
−HK$835/mo
Today · 4.125%
HK$32,350
baseline
▲ 0.50% · 4.625%
HK$34,055
+HK$1,705/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,700/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,471
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,574
−HK$1,121/mo
Today · 4.125%
HK$37,695
baseline
▲ 0.50% · 4.625%
HK$39,989
+HK$2,294/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$75,390/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,461
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,519
−HK$1,074/mo
Today · 4.125%
HK$41,593
baseline
▲ 0.50% · 4.625%
HK$43,785
+HK$2,192/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$83,186/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,260 · 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).