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$19,702
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,315
−HK$622/mo
Today · 4.125%
HK$20,937
baseline
▲ 0.50% · 4.625%
HK$22,211
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,874/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,918
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,506
−HK$596/mo
Today · 4.125%
HK$23,102
baseline
▲ 0.50% · 4.625%
HK$24,320
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,204/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,642
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,378
−HK$747/mo
Today · 4.125%
HK$25,125
baseline
▲ 0.50% · 4.625%
HK$26,654
+HK$1,529/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$50,250/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,302
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,007
−HK$716/mo
Today · 4.125%
HK$27,723
baseline
▲ 0.50% · 4.625%
HK$29,184
+HK$1,461/mo
Deposit HK$3.46M · loan HK$5.18M · min. income ≈ HK$55,446/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,583
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,441
−HK$871/mo
Today · 4.125%
HK$29,312
baseline
▲ 0.50% · 4.625%
HK$31,096
+HK$1,784/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,624/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,685
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,508
−HK$835/mo
Today · 4.125%
HK$32,343
baseline
▲ 0.50% · 4.625%
HK$34,048
+HK$1,705/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,686/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,463
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,566
−HK$1,121/mo
Today · 4.125%
HK$37,687
baseline
▲ 0.50% · 4.625%
HK$39,980
+HK$2,293/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$75,374/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,453
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,511
−HK$1,073/mo
Today · 4.125%
HK$41,584
baseline
▲ 0.50% · 4.625%
HK$43,776
+HK$2,192/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$83,168/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,207 · 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).