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$19,638
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,248
−HK$621/mo
Today · 4.125%
HK$20,869
baseline
▲ 0.50% · 4.625%
HK$22,139
+HK$1,270/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,738/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,847
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,433
−HK$594/mo
Today · 4.125%
HK$23,027
baseline
▲ 0.50% · 4.625%
HK$24,241
+HK$1,214/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,054/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,565
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,298
−HK$745/mo
Today · 4.125%
HK$25,043
baseline
▲ 0.50% · 4.625%
HK$26,567
+HK$1,524/mo
Deposit HK$3.44M · loan HK$5.17M · min. income ≈ HK$50,086/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,216
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,919
−HK$713/mo
Today · 4.125%
HK$27,632
baseline
▲ 0.50% · 4.625%
HK$29,089
+HK$1,457/mo
Deposit HK$3.44M · loan HK$5.17M · min. income ≈ HK$55,264/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,493
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,348
−HK$869/mo
Today · 4.125%
HK$29,217
baseline
▲ 0.50% · 4.625%
HK$30,994
+HK$1,777/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,434/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,585
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,406
−HK$832/mo
Today · 4.125%
HK$32,238
baseline
▲ 0.50% · 4.625%
HK$33,937
+HK$1,699/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,476/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,348
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,447
−HK$1,117/mo
Today · 4.125%
HK$37,564
baseline
▲ 0.50% · 4.625%
HK$39,850
+HK$2,286/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,128/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,324
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,379
−HK$1,070/mo
Today · 4.125%
HK$41,449
baseline
▲ 0.50% · 4.625%
HK$43,633
+HK$2,184/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,898/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,361 · 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).