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$1,236/mo
▼ 0.25% · 3.875%
HK$20,327
−HK$623/mo
Today · 4.125%
HK$20,950
baseline
▲ 0.50% · 4.625%
HK$22,225
+HK$1,275/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,900/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,931
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,519
−HK$597/mo
Today · 4.125%
HK$23,116
baseline
▲ 0.50% · 4.625%
HK$24,335
+HK$1,219/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,232/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,656
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,392
−HK$748/mo
Today · 4.125%
HK$25,140
baseline
▲ 0.50% · 4.625%
HK$26,670
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,280/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,317
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,023
−HK$716/mo
Today · 4.125%
HK$27,739
baseline
▲ 0.50% · 4.625%
HK$29,202
+HK$1,463/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,478/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,599
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,458
−HK$872/mo
Today · 4.125%
HK$29,330
baseline
▲ 0.50% · 4.625%
HK$31,114
+HK$1,784/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,660/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,704
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,527
−HK$836/mo
Today · 4.125%
HK$32,363
baseline
▲ 0.50% · 4.625%
HK$34,068
+HK$1,705/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,726/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,485
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,588
−HK$1,122/mo
Today · 4.125%
HK$37,710
baseline
▲ 0.50% · 4.625%
HK$40,004
+HK$2,294/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$75,420/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,476
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,535
−HK$1,074/mo
Today · 4.125%
HK$41,609
baseline
▲ 0.50% · 4.625%
HK$43,802
+HK$2,193/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$83,218/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,361 · 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).