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$19,714
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,328
−HK$623/mo
Today · 4.125%
HK$20,951
baseline
▲ 0.50% · 4.625%
HK$22,225
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,902/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,932
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,520
−HK$597/mo
Today · 4.125%
HK$23,117
baseline
▲ 0.50% · 4.625%
HK$24,335
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,234/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,657
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,393
−HK$748/mo
Today · 4.125%
HK$25,141
baseline
▲ 0.50% · 4.625%
HK$26,670
+HK$1,529/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,282/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,318
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,024
−HK$716/mo
Today · 4.125%
HK$27,740
baseline
▲ 0.50% · 4.625%
HK$29,203
+HK$1,463/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,480/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,600
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,459
−HK$872/mo
Today · 4.125%
HK$29,331
baseline
▲ 0.50% · 4.625%
HK$31,116
+HK$1,785/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,662/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,705
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,528
−HK$836/mo
Today · 4.125%
HK$32,364
baseline
▲ 0.50% · 4.625%
HK$34,070
+HK$1,706/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,728/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,486
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,590
−HK$1,121/mo
Today · 4.125%
HK$37,711
baseline
▲ 0.50% · 4.625%
HK$40,006
+HK$2,295/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$75,422/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,478
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,536
−HK$1,074/mo
Today · 4.125%
HK$41,610
baseline
▲ 0.50% · 4.625%
HK$43,804
+HK$2,194/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$83,220/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,370 · 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).