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$19,639
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,250
−HK$621/mo
Today · 4.125%
HK$20,871
baseline
▲ 0.50% · 4.625%
HK$22,141
+HK$1,270/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,742/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,848
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,434
−HK$595/mo
Today · 4.125%
HK$23,029
baseline
▲ 0.50% · 4.625%
HK$24,243
+HK$1,214/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,058/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,567
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,300
−HK$745/mo
Today · 4.125%
HK$25,045
baseline
▲ 0.50% · 4.625%
HK$26,569
+HK$1,524/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,090/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,218
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,921
−HK$714/mo
Today · 4.125%
HK$27,635
baseline
▲ 0.50% · 4.625%
HK$29,091
+HK$1,456/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,270/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,495
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,350
−HK$869/mo
Today · 4.125%
HK$29,219
baseline
▲ 0.50% · 4.625%
HK$30,997
+HK$1,778/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,438/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,588
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,408
−HK$832/mo
Today · 4.125%
HK$32,240
baseline
▲ 0.50% · 4.625%
HK$33,940
+HK$1,700/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,480/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,351
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,450
−HK$1,117/mo
Today · 4.125%
HK$37,567
baseline
▲ 0.50% · 4.625%
HK$39,853
+HK$2,286/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,134/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,327
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,382
−HK$1,070/mo
Today · 4.125%
HK$41,452
baseline
▲ 0.50% · 4.625%
HK$43,637
+HK$2,185/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,904/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,382 · 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).