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$19,682
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,294
−HK$622/mo
Today · 4.125%
HK$20,916
baseline
▲ 0.50% · 4.625%
HK$22,188
+HK$1,272/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,832/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,896
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,483
−HK$595/mo
Today · 4.125%
HK$23,078
baseline
▲ 0.50% · 4.625%
HK$24,295
+HK$1,217/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,156/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,618
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,353
−HK$746/mo
Today · 4.125%
HK$25,099
baseline
▲ 0.50% · 4.625%
HK$26,626
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,198/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,275
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,979
−HK$715/mo
Today · 4.125%
HK$27,694
baseline
▲ 0.50% · 4.625%
HK$29,154
+HK$1,460/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,388/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,554
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,411
−HK$871/mo
Today · 4.125%
HK$29,282
baseline
▲ 0.50% · 4.625%
HK$31,064
+HK$1,782/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,564/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,654
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,476
−HK$834/mo
Today · 4.125%
HK$32,310
baseline
▲ 0.50% · 4.625%
HK$34,013
+HK$1,703/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,620/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,427
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,529
−HK$1,119/mo
Today · 4.125%
HK$37,648
baseline
▲ 0.50% · 4.625%
HK$39,939
+HK$2,291/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,296/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,412
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,469
−HK$1,072/mo
Today · 4.125%
HK$41,541
baseline
▲ 0.50% · 4.625%
HK$43,731
+HK$2,190/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,082/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,939 · 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).