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$19,686
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,299
−HK$622/mo
Today · 4.125%
HK$20,921
baseline
▲ 0.50% · 4.625%
HK$22,194
+HK$1,273/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,842/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,901
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,488
−HK$596/mo
Today · 4.125%
HK$23,084
baseline
▲ 0.50% · 4.625%
HK$24,301
+HK$1,217/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,168/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,624
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,358
−HK$747/mo
Today · 4.125%
HK$25,105
baseline
▲ 0.50% · 4.625%
HK$26,633
+HK$1,528/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,210/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,281
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,986
−HK$715/mo
Today · 4.125%
HK$27,701
baseline
▲ 0.50% · 4.625%
HK$29,161
+HK$1,460/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,402/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,561
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,418
−HK$871/mo
Today · 4.125%
HK$29,289
baseline
▲ 0.50% · 4.625%
HK$31,071
+HK$1,782/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,578/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,661
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,483
−HK$835/mo
Today · 4.125%
HK$32,318
baseline
▲ 0.50% · 4.625%
HK$34,021
+HK$1,703/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,636/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,435
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,538
−HK$1,120/mo
Today · 4.125%
HK$37,658
baseline
▲ 0.50% · 4.625%
HK$39,949
+HK$2,291/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,316/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,422
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,479
−HK$1,072/mo
Today · 4.125%
HK$41,551
baseline
▲ 0.50% · 4.625%
HK$43,742
+HK$2,191/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,102/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,002 · 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).