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$19,707
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,320
−HK$622/mo
Today · 4.125%
HK$20,942
baseline
▲ 0.50% · 4.625%
HK$22,217
+HK$1,275/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,884/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,923
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,511
−HK$597/mo
Today · 4.125%
HK$23,108
baseline
▲ 0.50% · 4.625%
HK$24,326
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,216/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,648
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,383
−HK$748/mo
Today · 4.125%
HK$25,131
baseline
▲ 0.50% · 4.625%
HK$26,660
+HK$1,529/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,262/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,308
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,014
−HK$715/mo
Today · 4.125%
HK$27,729
baseline
▲ 0.50% · 4.625%
HK$29,191
+HK$1,462/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,458/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,589
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,447
−HK$872/mo
Today · 4.125%
HK$29,319
baseline
▲ 0.50% · 4.625%
HK$31,103
+HK$1,784/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,638/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,693
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,516
−HK$835/mo
Today · 4.125%
HK$32,351
baseline
▲ 0.50% · 4.625%
HK$34,056
+HK$1,705/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,702/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,472
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,575
−HK$1,121/mo
Today · 4.125%
HK$37,696
baseline
▲ 0.50% · 4.625%
HK$39,990
+HK$2,294/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$75,392/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,462
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,520
−HK$1,074/mo
Today · 4.125%
HK$41,594
baseline
▲ 0.50% · 4.625%
HK$43,787
+HK$2,193/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$83,188/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,268 · 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).