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$19,671
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,283
−HK$622/mo
Today · 4.125%
HK$20,905
baseline
▲ 0.50% · 4.625%
HK$22,177
+HK$1,272/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,810/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,884
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,471
−HK$595/mo
Today · 4.125%
HK$23,066
baseline
▲ 0.50% · 4.625%
HK$24,282
+HK$1,216/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,132/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,605
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,340
−HK$746/mo
Today · 4.125%
HK$25,086
baseline
▲ 0.50% · 4.625%
HK$26,612
+HK$1,526/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,172/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,261
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,965
−HK$715/mo
Today · 4.125%
HK$27,680
baseline
▲ 0.50% · 4.625%
HK$29,139
+HK$1,459/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,360/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,540
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,396
−HK$871/mo
Today · 4.125%
HK$29,267
baseline
▲ 0.50% · 4.625%
HK$31,047
+HK$1,780/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,534/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,638
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,459
−HK$834/mo
Today · 4.125%
HK$32,293
baseline
▲ 0.50% · 4.625%
HK$33,995
+HK$1,702/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,586/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,408
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,509
−HK$1,119/mo
Today · 4.125%
HK$37,628
baseline
▲ 0.50% · 4.625%
HK$39,918
+HK$2,290/mo
Deposit HK$863K · loan HK$7.76M · min. income ≈ HK$75,256/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,391
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,448
−HK$1,071/mo
Today · 4.125%
HK$41,519
baseline
▲ 0.50% · 4.625%
HK$43,708
+HK$2,189/mo
Deposit HK$863K · loan HK$7.76M · min. income ≈ HK$83,038/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,802 · 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).