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$19,651
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,262
−HK$621/mo
Today · 4.125%
HK$20,883
baseline
▲ 0.50% · 4.625%
HK$22,154
+HK$1,271/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,766/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,861
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,447
−HK$595/mo
Today · 4.125%
HK$23,042
baseline
▲ 0.50% · 4.625%
HK$24,257
+HK$1,215/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,084/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,581
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,314
−HK$745/mo
Today · 4.125%
HK$25,059
baseline
▲ 0.50% · 4.625%
HK$26,584
+HK$1,525/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,118/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,233
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,937
−HK$714/mo
Today · 4.125%
HK$27,651
baseline
▲ 0.50% · 4.625%
HK$29,108
+HK$1,457/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,302/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,511
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,367
−HK$869/mo
Today · 4.125%
HK$29,236
baseline
▲ 0.50% · 4.625%
HK$31,015
+HK$1,779/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$58,472/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,605
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,426
−HK$833/mo
Today · 4.125%
HK$32,259
baseline
▲ 0.50% · 4.625%
HK$33,959
+HK$1,700/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$64,518/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,371
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,471
−HK$1,118/mo
Today · 4.125%
HK$37,589
baseline
▲ 0.50% · 4.625%
HK$39,876
+HK$2,287/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,178/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,350
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,405
−HK$1,071/mo
Today · 4.125%
HK$41,476
baseline
▲ 0.50% · 4.625%
HK$43,662
+HK$2,186/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$82,952/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,532 · 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).