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$19,662
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,274
−HK$621/mo
Today · 4.125%
HK$20,895
baseline
▲ 0.50% · 4.625%
HK$22,167
+HK$1,272/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,790/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,874
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,461
−HK$595/mo
Today · 4.125%
HK$23,056
baseline
▲ 0.50% · 4.625%
HK$24,271
+HK$1,215/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,112/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,595
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,329
−HK$746/mo
Today · 4.125%
HK$25,075
baseline
▲ 0.50% · 4.625%
HK$26,600
+HK$1,525/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,150/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,249
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,953
−HK$714/mo
Today · 4.125%
HK$27,667
baseline
▲ 0.50% · 4.625%
HK$29,126
+HK$1,459/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,334/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,527
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,384
−HK$870/mo
Today · 4.125%
HK$29,254
baseline
▲ 0.50% · 4.625%
HK$31,034
+HK$1,780/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,508/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,624
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,445
−HK$834/mo
Today · 4.125%
HK$32,279
baseline
▲ 0.50% · 4.625%
HK$33,980
+HK$1,701/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,558/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,392
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,493
−HK$1,119/mo
Today · 4.125%
HK$37,612
baseline
▲ 0.50% · 4.625%
HK$39,900
+HK$2,288/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,224/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,374
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,430
−HK$1,071/mo
Today · 4.125%
HK$41,501
baseline
▲ 0.50% · 4.625%
HK$43,689
+HK$2,188/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$83,002/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,688 · 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).