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$19,683
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,295
−HK$623/mo
Today · 4.125%
HK$20,918
baseline
▲ 0.50% · 4.625%
HK$22,190
+HK$1,272/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,836/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,897
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,485
−HK$595/mo
Today · 4.125%
HK$23,080
baseline
▲ 0.50% · 4.625%
HK$24,297
+HK$1,217/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,160/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,620
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,355
−HK$746/mo
Today · 4.125%
HK$25,101
baseline
▲ 0.50% · 4.625%
HK$26,628
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,202/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,277
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,982
−HK$715/mo
Today · 4.125%
HK$27,697
baseline
▲ 0.50% · 4.625%
HK$29,156
+HK$1,459/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,394/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,556
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,414
−HK$871/mo
Today · 4.125%
HK$29,285
baseline
▲ 0.50% · 4.625%
HK$31,066
+HK$1,781/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,570/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,656
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,479
−HK$834/mo
Today · 4.125%
HK$32,313
baseline
▲ 0.50% · 4.625%
HK$34,016
+HK$1,703/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,626/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,430
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,532
−HK$1,120/mo
Today · 4.125%
HK$37,652
baseline
▲ 0.50% · 4.625%
HK$39,943
+HK$2,291/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,304/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,415
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,472
−HK$1,073/mo
Today · 4.125%
HK$41,545
baseline
▲ 0.50% · 4.625%
HK$43,735
+HK$2,190/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,090/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,961 · 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).