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$19,697
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,310
−HK$623/mo
Today · 4.125%
HK$20,933
baseline
▲ 0.50% · 4.625%
HK$22,206
+HK$1,273/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,866/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,913
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,501
−HK$596/mo
Today · 4.125%
HK$23,097
baseline
▲ 0.50% · 4.625%
HK$24,314
+HK$1,217/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,194/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,637
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,372
−HK$747/mo
Today · 4.125%
HK$25,119
baseline
▲ 0.50% · 4.625%
HK$26,647
+HK$1,528/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$50,238/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,296
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$27,001
−HK$715/mo
Today · 4.125%
HK$27,716
baseline
▲ 0.50% · 4.625%
HK$29,177
+HK$1,461/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$55,432/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,576
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,434
−HK$872/mo
Today · 4.125%
HK$29,306
baseline
▲ 0.50% · 4.625%
HK$31,089
+HK$1,783/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,612/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,678
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,501
−HK$835/mo
Today · 4.125%
HK$32,336
baseline
▲ 0.50% · 4.625%
HK$34,040
+HK$1,704/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,672/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,455
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,558
−HK$1,121/mo
Today · 4.125%
HK$37,679
baseline
▲ 0.50% · 4.625%
HK$39,971
+HK$2,292/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$75,358/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,444
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,501
−HK$1,074/mo
Today · 4.125%
HK$41,575
baseline
▲ 0.50% · 4.625%
HK$43,766
+HK$2,191/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$83,150/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,147 · 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).