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$19,655
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,266
−HK$622/mo
Today · 4.125%
HK$20,888
baseline
▲ 0.50% · 4.625%
HK$22,159
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,776/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,866
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,453
−HK$594/mo
Today · 4.125%
HK$23,047
baseline
▲ 0.50% · 4.625%
HK$24,262
+HK$1,215/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$258,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,586
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,320
−HK$745/mo
Today · 4.125%
HK$25,065
baseline
▲ 0.50% · 4.625%
HK$26,590
+HK$1,525/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,130/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,239
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,943
−HK$714/mo
Today · 4.125%
HK$27,657
baseline
▲ 0.50% · 4.625%
HK$29,115
+HK$1,458/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,314/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,517
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,373
−HK$870/mo
Today · 4.125%
HK$29,243
baseline
▲ 0.50% · 4.625%
HK$31,022
+HK$1,779/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$58,486/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,613
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,434
−HK$832/mo
Today · 4.125%
HK$32,266
baseline
▲ 0.50% · 4.625%
HK$33,967
+HK$1,701/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$64,532/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,379
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,480
−HK$1,118/mo
Today · 4.125%
HK$37,598
baseline
▲ 0.50% · 4.625%
HK$39,885
+HK$2,287/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,196/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,359
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,415
−HK$1,070/mo
Today · 4.125%
HK$41,485
baseline
▲ 0.50% · 4.625%
HK$43,672
+HK$2,187/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$82,970/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,591 · 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).