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$19,640
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,251
−HK$621/mo
Today · 4.125%
HK$20,872
baseline
▲ 0.50% · 4.625%
HK$22,142
+HK$1,270/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,744/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,850
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,436
−HK$594/mo
Today · 4.125%
HK$23,030
baseline
▲ 0.50% · 4.625%
HK$24,244
+HK$1,214/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,060/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,568
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,301
−HK$745/mo
Today · 4.125%
HK$25,046
baseline
▲ 0.50% · 4.625%
HK$26,570
+HK$1,524/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,092/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,220
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,923
−HK$713/mo
Today · 4.125%
HK$27,636
baseline
▲ 0.50% · 4.625%
HK$29,093
+HK$1,457/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,272/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,496
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,352
−HK$869/mo
Today · 4.125%
HK$29,221
baseline
▲ 0.50% · 4.625%
HK$30,999
+HK$1,778/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,442/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,589
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,410
−HK$832/mo
Today · 4.125%
HK$32,242
baseline
▲ 0.50% · 4.625%
HK$33,942
+HK$1,700/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,484/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,353
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,452
−HK$1,117/mo
Today · 4.125%
HK$37,569
baseline
▲ 0.50% · 4.625%
HK$39,855
+HK$2,286/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,138/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,329
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,384
−HK$1,070/mo
Today · 4.125%
HK$41,454
baseline
▲ 0.50% · 4.625%
HK$43,639
+HK$2,185/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,908/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,396 · 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).