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$19,634
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,245
−HK$620/mo
Today · 4.125%
HK$20,865
baseline
▲ 0.50% · 4.625%
HK$22,135
+HK$1,270/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,730/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,843
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,429
−HK$594/mo
Today · 4.125%
HK$23,023
baseline
▲ 0.50% · 4.625%
HK$24,237
+HK$1,214/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,046/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,561
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,294
−HK$745/mo
Today · 4.125%
HK$25,039
baseline
▲ 0.50% · 4.625%
HK$26,562
+HK$1,523/mo
Deposit HK$3.44M · loan HK$5.17M · min. income ≈ HK$50,078/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,211
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,914
−HK$714/mo
Today · 4.125%
HK$27,628
baseline
▲ 0.50% · 4.625%
HK$29,084
+HK$1,456/mo
Deposit HK$3.44M · loan HK$5.17M · min. income ≈ HK$55,256/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,488
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,343
−HK$869/mo
Today · 4.125%
HK$29,212
baseline
▲ 0.50% · 4.625%
HK$30,989
+HK$1,777/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,424/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,580
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,400
−HK$832/mo
Today · 4.125%
HK$32,232
baseline
▲ 0.50% · 4.625%
HK$33,931
+HK$1,699/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,464/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,342
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,441
−HK$1,117/mo
Today · 4.125%
HK$37,558
baseline
▲ 0.50% · 4.625%
HK$39,843
+HK$2,285/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,116/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,317
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,372
−HK$1,069/mo
Today · 4.125%
HK$41,441
baseline
▲ 0.50% · 4.625%
HK$43,626
+HK$2,185/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,882/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,316 · 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).