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$19,693
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,306
−HK$622/mo
Today · 4.125%
HK$20,928
baseline
▲ 0.50% · 4.625%
HK$22,201
+HK$1,273/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,856/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,908
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,496
−HK$596/mo
Today · 4.125%
HK$23,092
baseline
▲ 0.50% · 4.625%
HK$24,309
+HK$1,217/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,184/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,632
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,367
−HK$747/mo
Today · 4.125%
HK$25,114
baseline
▲ 0.50% · 4.625%
HK$26,642
+HK$1,528/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,228/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,290
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,995
−HK$715/mo
Today · 4.125%
HK$27,710
baseline
▲ 0.50% · 4.625%
HK$29,171
+HK$1,461/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,420/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$259,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,570
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,428
−HK$871/mo
Today · 4.125%
HK$29,299
baseline
▲ 0.50% · 4.625%
HK$31,082
+HK$1,783/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,598/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,672
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,494
−HK$835/mo
Today · 4.125%
HK$32,329
baseline
▲ 0.50% · 4.625%
HK$34,033
+HK$1,704/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,658/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,448
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,550
−HK$1,120/mo
Today · 4.125%
HK$37,670
baseline
▲ 0.50% · 4.625%
HK$39,963
+HK$2,293/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$75,340/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,435
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,493
−HK$1,073/mo
Today · 4.125%
HK$41,566
baseline
▲ 0.50% · 4.625%
HK$43,757
+HK$2,191/mo
Deposit HK$864K · loan HK$7.77M · min. income ≈ HK$83,132/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,091 · 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).