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$1,235/mo
▼ 0.25% · 3.875%
HK$20,310
−HK$622/mo
Today · 4.125%
HK$20,932
baseline
▲ 0.50% · 4.625%
HK$22,206
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,864/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,144 · 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$259,144 · 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$259,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,295
−HK$1,421/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$259,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,576
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,434
−HK$871/mo
Today · 4.125%
HK$29,305
baseline
▲ 0.50% · 4.625%
HK$31,088
+HK$1,783/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,610/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,678
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,501
−HK$834/mo
Today · 4.125%
HK$32,335
baseline
▲ 0.50% · 4.625%
HK$34,040
+HK$1,705/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,670/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,455
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,558
−HK$1,120/mo
Today · 4.125%
HK$37,678
baseline
▲ 0.50% · 4.625%
HK$39,971
+HK$2,293/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$75,356/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,443
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,501
−HK$1,073/mo
Today · 4.125%
HK$41,574
baseline
▲ 0.50% · 4.625%
HK$43,766
+HK$2,192/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$83,148/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,144 · 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).