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$19,720
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,333
−HK$624/mo
Today · 4.125%
HK$20,957
baseline
▲ 0.50% · 4.625%
HK$22,232
+HK$1,275/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,914/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,938
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,527
−HK$596/mo
Today · 4.125%
HK$23,123
baseline
▲ 0.50% · 4.625%
HK$24,342
+HK$1,219/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,246/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,664
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,400
−HK$748/mo
Today · 4.125%
HK$25,148
baseline
▲ 0.50% · 4.625%
HK$26,678
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,296/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,326
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,032
−HK$716/mo
Today · 4.125%
HK$27,748
baseline
▲ 0.50% · 4.625%
HK$29,211
+HK$1,463/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,496/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,608
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,467
−HK$872/mo
Today · 4.125%
HK$29,339
baseline
▲ 0.50% · 4.625%
HK$31,124
+HK$1,785/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,678/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,714
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,537
−HK$836/mo
Today · 4.125%
HK$32,373
baseline
▲ 0.50% · 4.625%
HK$34,079
+HK$1,706/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,746/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,496
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,600
−HK$1,122/mo
Today · 4.125%
HK$37,722
baseline
▲ 0.50% · 4.625%
HK$40,017
+HK$2,295/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$75,444/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,489
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,548
−HK$1,074/mo
Today · 4.125%
HK$41,622
baseline
▲ 0.50% · 4.625%
HK$43,816
+HK$2,194/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$83,244/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,444 · 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).