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$19,722
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,335
−HK$623/mo
Today · 4.125%
HK$20,958
baseline
▲ 0.50% · 4.625%
HK$22,234
+HK$1,276/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,916/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,940
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,529
−HK$597/mo
Today · 4.125%
HK$23,126
baseline
▲ 0.50% · 4.625%
HK$24,344
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,252/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,666
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,402
−HK$748/mo
Today · 4.125%
HK$25,150
baseline
▲ 0.50% · 4.625%
HK$26,680
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,300/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,328
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,034
−HK$717/mo
Today · 4.125%
HK$27,751
baseline
▲ 0.50% · 4.625%
HK$29,213
+HK$1,462/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,502/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,610
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,469
−HK$873/mo
Today · 4.125%
HK$29,342
baseline
▲ 0.50% · 4.625%
HK$31,127
+HK$1,785/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,684/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,716
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,540
−HK$836/mo
Today · 4.125%
HK$32,376
baseline
▲ 0.50% · 4.625%
HK$34,082
+HK$1,706/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,752/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,499
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,603
−HK$1,122/mo
Today · 4.125%
HK$37,725
baseline
▲ 0.50% · 4.625%
HK$40,021
+HK$2,296/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$75,450/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,492
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,551
−HK$1,075/mo
Today · 4.125%
HK$41,626
baseline
▲ 0.50% · 4.625%
HK$43,820
+HK$2,194/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$83,252/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,467 · 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).