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$19,705
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,318
−HK$623/mo
Today · 4.125%
HK$20,941
baseline
▲ 0.50% · 4.625%
HK$22,215
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,882/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,921
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,509
−HK$597/mo
Today · 4.125%
HK$23,106
baseline
▲ 0.50% · 4.625%
HK$24,324
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,212/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,646
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,381
−HK$748/mo
Today · 4.125%
HK$25,129
baseline
▲ 0.50% · 4.625%
HK$26,658
+HK$1,529/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$50,258/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,306
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,011
−HK$716/mo
Today · 4.125%
HK$27,727
baseline
▲ 0.50% · 4.625%
HK$29,188
+HK$1,461/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$55,454/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,587
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,445
−HK$872/mo
Today · 4.125%
HK$29,317
baseline
▲ 0.50% · 4.625%
HK$31,101
+HK$1,784/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,634/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,690
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,513
−HK$835/mo
Today · 4.125%
HK$32,348
baseline
▲ 0.50% · 4.625%
HK$34,053
+HK$1,705/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,696/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,469
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,572
−HK$1,121/mo
Today · 4.125%
HK$37,693
baseline
▲ 0.50% · 4.625%
HK$39,986
+HK$2,293/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$75,386/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,459
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,517
−HK$1,073/mo
Today · 4.125%
HK$41,590
baseline
▲ 0.50% · 4.625%
HK$43,783
+HK$2,193/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$83,180/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,246 · 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).