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$19,642
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,253
−HK$620/mo
Today · 4.125%
HK$20,873
baseline
▲ 0.50% · 4.625%
HK$22,144
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,746/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,851
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,437
−HK$595/mo
Today · 4.125%
HK$23,032
baseline
▲ 0.50% · 4.625%
HK$24,246
+HK$1,214/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,064/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,570
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,303
−HK$745/mo
Today · 4.125%
HK$25,048
baseline
▲ 0.50% · 4.625%
HK$26,572
+HK$1,524/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,096/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,222
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,925
−HK$713/mo
Today · 4.125%
HK$27,638
baseline
▲ 0.50% · 4.625%
HK$29,095
+HK$1,457/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,276/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,498
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,354
−HK$869/mo
Today · 4.125%
HK$29,223
baseline
▲ 0.50% · 4.625%
HK$31,001
+HK$1,778/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,446/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,592
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,412
−HK$833/mo
Today · 4.125%
HK$32,245
baseline
▲ 0.50% · 4.625%
HK$33,944
+HK$1,699/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,490/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,355
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,455
−HK$1,117/mo
Today · 4.125%
HK$37,572
baseline
▲ 0.50% · 4.625%
HK$39,858
+HK$2,286/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,144/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,332
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,387
−HK$1,070/mo
Today · 4.125%
HK$41,457
baseline
▲ 0.50% · 4.625%
HK$43,643
+HK$2,186/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,914/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,416 · 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).