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$19,640
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,251
−HK$620/mo
Today · 4.125%
HK$20,871
baseline
▲ 0.50% · 4.625%
HK$22,141
+HK$1,270/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,742/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,849
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,435
−HK$595/mo
Today · 4.125%
HK$23,030
baseline
▲ 0.50% · 4.625%
HK$24,243
+HK$1,213/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,060/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,568
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,301
−HK$745/mo
Today · 4.125%
HK$25,046
baseline
▲ 0.50% · 4.625%
HK$26,570
+HK$1,524/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,092/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,219
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,922
−HK$713/mo
Today · 4.125%
HK$27,635
baseline
▲ 0.50% · 4.625%
HK$29,092
+HK$1,457/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,270/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,496
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,351
−HK$869/mo
Today · 4.125%
HK$29,220
baseline
▲ 0.50% · 4.625%
HK$30,998
+HK$1,778/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,440/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,589
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,409
−HK$832/mo
Today · 4.125%
HK$32,241
baseline
▲ 0.50% · 4.625%
HK$33,941
+HK$1,700/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,482/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,352
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,451
−HK$1,117/mo
Today · 4.125%
HK$37,568
baseline
▲ 0.50% · 4.625%
HK$39,854
+HK$2,286/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,136/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,328
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,383
−HK$1,070/mo
Today · 4.125%
HK$41,453
baseline
▲ 0.50% · 4.625%
HK$43,638
+HK$2,185/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,906/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,390 · 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).