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$19,693
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,305
−HK$622/mo
Today · 4.125%
HK$20,927
baseline
▲ 0.50% · 4.625%
HK$22,201
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,854/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,908
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,495
−HK$596/mo
Today · 4.125%
HK$23,091
baseline
▲ 0.50% · 4.625%
HK$24,309
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,182/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,631
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,366
−HK$747/mo
Today · 4.125%
HK$25,113
baseline
▲ 0.50% · 4.625%
HK$26,641
+HK$1,528/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,226/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,289
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$26,994
−HK$716/mo
Today · 4.125%
HK$27,710
baseline
▲ 0.50% · 4.625%
HK$29,170
+HK$1,460/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,420/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,570
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,427
−HK$871/mo
Today · 4.125%
HK$29,298
baseline
▲ 0.50% · 4.625%
HK$31,081
+HK$1,783/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,596/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,671
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,493
−HK$835/mo
Today · 4.125%
HK$32,328
baseline
▲ 0.50% · 4.625%
HK$34,032
+HK$1,704/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,656/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,447
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,549
−HK$1,120/mo
Today · 4.125%
HK$37,669
baseline
▲ 0.50% · 4.625%
HK$39,961
+HK$2,292/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$75,338/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,434
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,492
−HK$1,072/mo
Today · 4.125%
HK$41,564
baseline
▲ 0.50% · 4.625%
HK$43,755
+HK$2,191/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$83,128/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,084 · 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).