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$19,656
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,268
−HK$621/mo
Today · 4.125%
HK$20,889
baseline
▲ 0.50% · 4.625%
HK$22,160
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,778/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,868
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,454
−HK$595/mo
Today · 4.125%
HK$23,049
baseline
▲ 0.50% · 4.625%
HK$24,264
+HK$1,215/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,098/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,588
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,321
−HK$746/mo
Today · 4.125%
HK$25,067
baseline
▲ 0.50% · 4.625%
HK$26,592
+HK$1,525/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,134/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,241
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,945
−HK$714/mo
Today · 4.125%
HK$27,659
baseline
▲ 0.50% · 4.625%
HK$29,117
+HK$1,458/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,318/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,519
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,375
−HK$870/mo
Today · 4.125%
HK$29,245
baseline
▲ 0.50% · 4.625%
HK$31,024
+HK$1,779/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$58,490/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,615
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,436
−HK$833/mo
Today · 4.125%
HK$32,269
baseline
▲ 0.50% · 4.625%
HK$33,970
+HK$1,701/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$64,538/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,382
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,482
−HK$1,118/mo
Today · 4.125%
HK$37,600
baseline
▲ 0.50% · 4.625%
HK$39,888
+HK$2,288/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,200/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,362
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,417
−HK$1,071/mo
Today · 4.125%
HK$41,488
baseline
▲ 0.50% · 4.625%
HK$43,675
+HK$2,187/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$82,976/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,609 · 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).