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$19,699
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,312
−HK$623/mo
Today · 4.125%
HK$20,935
baseline
▲ 0.50% · 4.625%
HK$22,208
+HK$1,273/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,870/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,915
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,503
−HK$596/mo
Today · 4.125%
HK$23,099
baseline
▲ 0.50% · 4.625%
HK$24,317
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,198/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,639
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,374
−HK$747/mo
Today · 4.125%
HK$25,121
baseline
▲ 0.50% · 4.625%
HK$26,650
+HK$1,529/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$50,242/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,298
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,004
−HK$715/mo
Today · 4.125%
HK$27,719
baseline
▲ 0.50% · 4.625%
HK$29,180
+HK$1,461/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$55,438/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,579
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,437
−HK$871/mo
Today · 4.125%
HK$29,308
baseline
▲ 0.50% · 4.625%
HK$31,092
+HK$1,784/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,616/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,681
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,504
−HK$835/mo
Today · 4.125%
HK$32,339
baseline
▲ 0.50% · 4.625%
HK$34,044
+HK$1,705/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,678/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,459
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,562
−HK$1,120/mo
Today · 4.125%
HK$37,682
baseline
▲ 0.50% · 4.625%
HK$39,975
+HK$2,293/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$75,364/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,447
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,505
−HK$1,074/mo
Today · 4.125%
HK$41,579
baseline
▲ 0.50% · 4.625%
HK$43,770
+HK$2,191/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$83,158/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,172 · 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).