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$19,660
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,272
−HK$621/mo
Today · 4.125%
HK$20,893
baseline
▲ 0.50% · 4.625%
HK$22,164
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,786/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,872
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,458
−HK$595/mo
Today · 4.125%
HK$23,053
baseline
▲ 0.50% · 4.625%
HK$24,269
+HK$1,216/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,106/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,592
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,326
−HK$746/mo
Today · 4.125%
HK$25,072
baseline
▲ 0.50% · 4.625%
HK$26,597
+HK$1,525/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,144/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,246
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,950
−HK$714/mo
Today · 4.125%
HK$27,664
baseline
▲ 0.50% · 4.625%
HK$29,122
+HK$1,458/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,328/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,524
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,380
−HK$870/mo
Today · 4.125%
HK$29,250
baseline
▲ 0.50% · 4.625%
HK$31,030
+HK$1,780/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,500/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,620
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,442
−HK$833/mo
Today · 4.125%
HK$32,275
baseline
▲ 0.50% · 4.625%
HK$33,976
+HK$1,701/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,550/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,388
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,489
−HK$1,118/mo
Today · 4.125%
HK$37,607
baseline
▲ 0.50% · 4.625%
HK$39,896
+HK$2,289/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,214/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,369
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,425
−HK$1,071/mo
Today · 4.125%
HK$41,496
baseline
▲ 0.50% · 4.625%
HK$43,683
+HK$2,187/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$82,992/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,658 · 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).