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$19,654
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,266
−HK$621/mo
Today · 4.125%
HK$20,887
baseline
▲ 0.50% · 4.625%
HK$22,158
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,774/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,865
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,452
−HK$595/mo
Today · 4.125%
HK$23,047
baseline
▲ 0.50% · 4.625%
HK$24,261
+HK$1,214/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,094/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,585
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,319
−HK$745/mo
Today · 4.125%
HK$25,064
baseline
▲ 0.50% · 4.625%
HK$26,589
+HK$1,525/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,128/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,238
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,942
−HK$714/mo
Today · 4.125%
HK$27,656
baseline
▲ 0.50% · 4.625%
HK$29,114
+HK$1,458/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,312/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,516
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,372
−HK$870/mo
Today · 4.125%
HK$29,242
baseline
▲ 0.50% · 4.625%
HK$31,021
+HK$1,779/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$58,484/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,611
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,432
−HK$833/mo
Today · 4.125%
HK$32,265
baseline
▲ 0.50% · 4.625%
HK$33,966
+HK$1,701/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$64,530/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,378
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,478
−HK$1,118/mo
Today · 4.125%
HK$37,596
baseline
▲ 0.50% · 4.625%
HK$39,884
+HK$2,288/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,192/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,358
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,413
−HK$1,071/mo
Today · 4.125%
HK$41,484
baseline
▲ 0.50% · 4.625%
HK$43,671
+HK$2,187/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$82,968/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,582 · 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).