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$19,681
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,293
−HK$622/mo
Today · 4.125%
HK$20,915
baseline
▲ 0.50% · 4.625%
HK$22,188
+HK$1,273/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,830/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,895
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,482
−HK$596/mo
Today · 4.125%
HK$23,078
baseline
▲ 0.50% · 4.625%
HK$24,294
+HK$1,216/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,156/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,617
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,352
−HK$746/mo
Today · 4.125%
HK$25,098
baseline
▲ 0.50% · 4.625%
HK$26,625
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,196/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,274
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,978
−HK$715/mo
Today · 4.125%
HK$27,693
baseline
▲ 0.50% · 4.625%
HK$29,153
+HK$1,460/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,386/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,553
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,410
−HK$871/mo
Today · 4.125%
HK$29,281
baseline
▲ 0.50% · 4.625%
HK$31,063
+HK$1,782/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,562/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,653
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,475
−HK$834/mo
Today · 4.125%
HK$32,309
baseline
▲ 0.50% · 4.625%
HK$34,012
+HK$1,703/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,618/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,426
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,527
−HK$1,120/mo
Today · 4.125%
HK$37,647
baseline
▲ 0.50% · 4.625%
HK$39,938
+HK$2,291/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,294/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,411
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,467
−HK$1,073/mo
Today · 4.125%
HK$41,540
baseline
▲ 0.50% · 4.625%
HK$43,729
+HK$2,189/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,080/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,930 · 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).