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$19,675
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,287
−HK$622/mo
Today · 4.125%
HK$20,909
baseline
▲ 0.50% · 4.625%
HK$22,181
+HK$1,272/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,818/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,888
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,475
−HK$596/mo
Today · 4.125%
HK$23,071
baseline
▲ 0.50% · 4.625%
HK$24,287
+HK$1,216/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,142/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,610
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,344
−HK$746/mo
Today · 4.125%
HK$25,090
baseline
▲ 0.50% · 4.625%
HK$26,617
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,180/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,266
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,970
−HK$715/mo
Today · 4.125%
HK$27,685
baseline
▲ 0.50% · 4.625%
HK$29,144
+HK$1,459/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,370/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,545
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,401
−HK$871/mo
Today · 4.125%
HK$29,272
baseline
▲ 0.50% · 4.625%
HK$31,053
+HK$1,781/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,544/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,643
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,465
−HK$834/mo
Today · 4.125%
HK$32,299
baseline
▲ 0.50% · 4.625%
HK$34,001
+HK$1,702/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,598/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,415
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,516
−HK$1,119/mo
Today · 4.125%
HK$37,635
baseline
▲ 0.50% · 4.625%
HK$39,925
+HK$2,290/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,270/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,398
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,455
−HK$1,072/mo
Today · 4.125%
HK$41,527
baseline
▲ 0.50% · 4.625%
HK$43,716
+HK$2,189/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,054/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,850 · 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).