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$19,722
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,336
−HK$623/mo
Today · 4.125%
HK$20,959
baseline
▲ 0.50% · 4.625%
HK$22,234
+HK$1,275/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,918/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,941
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,529
−HK$597/mo
Today · 4.125%
HK$23,126
baseline
▲ 0.50% · 4.625%
HK$24,345
+HK$1,219/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,252/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,667
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,403
−HK$748/mo
Today · 4.125%
HK$25,151
baseline
▲ 0.50% · 4.625%
HK$26,681
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,302/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,329
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,035
−HK$717/mo
Today · 4.125%
HK$27,752
baseline
▲ 0.50% · 4.625%
HK$29,214
+HK$1,462/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,504/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,611
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,470
−HK$873/mo
Today · 4.125%
HK$29,343
baseline
▲ 0.50% · 4.625%
HK$31,128
+HK$1,785/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,686/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,717
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,541
−HK$836/mo
Today · 4.125%
HK$32,377
baseline
▲ 0.50% · 4.625%
HK$34,083
+HK$1,706/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,754/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,500
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,604
−HK$1,122/mo
Today · 4.125%
HK$37,726
baseline
▲ 0.50% · 4.625%
HK$40,022
+HK$2,296/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$75,452/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,494
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,553
−HK$1,074/mo
Today · 4.125%
HK$41,627
baseline
▲ 0.50% · 4.625%
HK$43,822
+HK$2,195/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$83,254/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,476 · 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).