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$19,707
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,320
−HK$623/mo
Today · 4.125%
HK$20,943
baseline
▲ 0.50% · 4.625%
HK$22,217
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,886/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,924
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,512
−HK$596/mo
Today · 4.125%
HK$23,108
baseline
▲ 0.50% · 4.625%
HK$24,326
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,216/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,648
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,384
−HK$747/mo
Today · 4.125%
HK$25,131
baseline
▲ 0.50% · 4.625%
HK$26,661
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,262/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,309
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,014
−HK$716/mo
Today · 4.125%
HK$27,730
baseline
▲ 0.50% · 4.625%
HK$29,192
+HK$1,462/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,460/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,590
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,448
−HK$872/mo
Today · 4.125%
HK$29,320
baseline
▲ 0.50% · 4.625%
HK$31,104
+HK$1,784/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,640/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,693
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,517
−HK$835/mo
Today · 4.125%
HK$32,352
baseline
▲ 0.50% · 4.625%
HK$34,057
+HK$1,705/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,704/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,473
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,576
−HK$1,121/mo
Today · 4.125%
HK$37,697
baseline
▲ 0.50% · 4.625%
HK$39,991
+HK$2,294/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$75,394/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,463
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,521
−HK$1,074/mo
Today · 4.125%
HK$41,595
baseline
▲ 0.50% · 4.625%
HK$43,788
+HK$2,193/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$83,190/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,274 · 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).