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$19,695
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,308
−HK$622/mo
Today · 4.125%
HK$20,930
baseline
▲ 0.50% · 4.625%
HK$22,204
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,860/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,911
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,498
−HK$596/mo
Today · 4.125%
HK$23,094
baseline
▲ 0.50% · 4.625%
HK$24,312
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,188/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,634
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,369
−HK$747/mo
Today · 4.125%
HK$25,116
baseline
▲ 0.50% · 4.625%
HK$26,644
+HK$1,528/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,232/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,293
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,998
−HK$715/mo
Today · 4.125%
HK$27,713
baseline
▲ 0.50% · 4.625%
HK$29,174
+HK$1,461/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,426/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,573
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,431
−HK$871/mo
Today · 4.125%
HK$29,302
baseline
▲ 0.50% · 4.625%
HK$31,085
+HK$1,783/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,604/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,675
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,497
−HK$835/mo
Today · 4.125%
HK$32,332
baseline
▲ 0.50% · 4.625%
HK$34,036
+HK$1,704/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,664/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,451
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,554
−HK$1,120/mo
Today · 4.125%
HK$37,674
baseline
▲ 0.50% · 4.625%
HK$39,966
+HK$2,292/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$75,348/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,439
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,497
−HK$1,073/mo
Today · 4.125%
HK$41,570
baseline
▲ 0.50% · 4.625%
HK$43,761
+HK$2,191/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$83,140/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,116 · 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).