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$19,751
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,366
−HK$624/mo
Today · 4.125%
HK$20,990
baseline
▲ 0.50% · 4.625%
HK$22,267
+HK$1,277/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,980/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,973
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,562
−HK$598/mo
Today · 4.125%
HK$23,160
baseline
▲ 0.50% · 4.625%
HK$24,381
+HK$1,221/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,320/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,701
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,439
−HK$749/mo
Today · 4.125%
HK$25,188
baseline
▲ 0.50% · 4.625%
HK$26,720
+HK$1,532/mo
Deposit HK$3.46M · loan HK$5.20M · min. income ≈ HK$50,376/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,368
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,075
−HK$717/mo
Today · 4.125%
HK$27,792
baseline
▲ 0.50% · 4.625%
HK$29,257
+HK$1,465/mo
Deposit HK$3.46M · loan HK$5.20M · min. income ≈ HK$55,584/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,652
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,512
−HK$874/mo
Today · 4.125%
HK$29,386
baseline
▲ 0.50% · 4.625%
HK$31,174
+HK$1,788/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,772/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,762
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,587
−HK$837/mo
Today · 4.125%
HK$32,424
baseline
▲ 0.50% · 4.625%
HK$34,133
+HK$1,709/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,848/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,552
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,658
−HK$1,123/mo
Today · 4.125%
HK$37,781
baseline
▲ 0.50% · 4.625%
HK$40,080
+HK$2,299/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$75,562/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,551
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,612
−HK$1,076/mo
Today · 4.125%
HK$41,688
baseline
▲ 0.50% · 4.625%
HK$43,886
+HK$2,198/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$83,376/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,855 · 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).