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$1,231/mo
▼ 0.25% · 3.875%
HK$20,250
−HK$620/mo
Today · 4.125%
HK$20,870
baseline
▲ 0.50% · 4.625%
HK$22,140
+HK$1,270/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,740/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,848
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,434
−HK$594/mo
Today · 4.125%
HK$23,028
baseline
▲ 0.50% · 4.625%
HK$24,242
+HK$1,214/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,056/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,567
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,300
−HK$744/mo
Today · 4.125%
HK$25,044
baseline
▲ 0.50% · 4.625%
HK$26,568
+HK$1,524/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,088/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,218
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,921
−HK$713/mo
Today · 4.125%
HK$27,634
baseline
▲ 0.50% · 4.625%
HK$29,091
+HK$1,457/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,268/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,494
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,350
−HK$869/mo
Today · 4.125%
HK$29,219
baseline
▲ 0.50% · 4.625%
HK$30,996
+HK$1,777/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$258,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,587
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,408
−HK$832/mo
Today · 4.125%
HK$32,240
baseline
▲ 0.50% · 4.625%
HK$33,939
+HK$1,699/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$258,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,350
−HK$2,217/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$258,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,326
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,381
−HK$1,070/mo
Today · 4.125%
HK$41,451
baseline
▲ 0.50% · 4.625%
HK$43,636
+HK$2,185/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,902/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,378 · 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).