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$19,664
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,276
−HK$621/mo
Today · 4.125%
HK$20,897
baseline
▲ 0.50% · 4.625%
HK$22,169
+HK$1,272/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,794/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,876
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,463
−HK$595/mo
Today · 4.125%
HK$23,058
baseline
▲ 0.50% · 4.625%
HK$24,274
+HK$1,216/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,116/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,597
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,331
−HK$746/mo
Today · 4.125%
HK$25,077
baseline
▲ 0.50% · 4.625%
HK$26,603
+HK$1,526/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,154/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,251
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,955
−HK$715/mo
Today · 4.125%
HK$27,670
baseline
▲ 0.50% · 4.625%
HK$29,128
+HK$1,458/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,340/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,530
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,386
−HK$870/mo
Today · 4.125%
HK$29,256
baseline
▲ 0.50% · 4.625%
HK$31,036
+HK$1,780/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,512/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,627
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,448
−HK$833/mo
Today · 4.125%
HK$32,281
baseline
▲ 0.50% · 4.625%
HK$33,983
+HK$1,702/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,562/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,396
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,497
−HK$1,118/mo
Today · 4.125%
HK$37,615
baseline
▲ 0.50% · 4.625%
HK$39,904
+HK$2,289/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,230/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,377
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,433
−HK$1,072/mo
Today · 4.125%
HK$41,505
baseline
▲ 0.50% · 4.625%
HK$43,692
+HK$2,187/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$83,010/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,710 · 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).