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$19,660
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,271
−HK$621/mo
Today · 4.125%
HK$20,892
baseline
▲ 0.50% · 4.625%
HK$22,164
+HK$1,272/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,784/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,871
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,458
−HK$595/mo
Today · 4.125%
HK$23,053
baseline
▲ 0.50% · 4.625%
HK$24,268
+HK$1,215/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,106/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,591
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,325
−HK$746/mo
Today · 4.125%
HK$25,071
baseline
▲ 0.50% · 4.625%
HK$26,596
+HK$1,525/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,142/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,245
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,949
−HK$714/mo
Today · 4.125%
HK$27,663
baseline
▲ 0.50% · 4.625%
HK$29,121
+HK$1,458/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,326/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,523
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,379
−HK$870/mo
Today · 4.125%
HK$29,249
baseline
▲ 0.50% · 4.625%
HK$31,029
+HK$1,780/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,498/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,619
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,441
−HK$833/mo
Today · 4.125%
HK$32,274
baseline
▲ 0.50% · 4.625%
HK$33,975
+HK$1,701/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,548/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,387
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,488
−HK$1,118/mo
Today · 4.125%
HK$37,606
baseline
▲ 0.50% · 4.625%
HK$39,894
+HK$2,288/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,212/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,368
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,424
−HK$1,071/mo
Today · 4.125%
HK$41,495
baseline
▲ 0.50% · 4.625%
HK$43,682
+HK$2,187/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$82,990/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,649 · 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).