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$19,737
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,350
−HK$624/mo
Today · 4.125%
HK$20,974
baseline
▲ 0.50% · 4.625%
HK$22,250
+HK$1,276/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,948/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,957
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,546
−HK$597/mo
Today · 4.125%
HK$23,143
baseline
▲ 0.50% · 4.625%
HK$24,363
+HK$1,220/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,286/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,684
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,421
−HK$748/mo
Today · 4.125%
HK$25,169
baseline
▲ 0.50% · 4.625%
HK$26,700
+HK$1,531/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,338/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,348
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,055
−HK$717/mo
Today · 4.125%
HK$27,772
baseline
▲ 0.50% · 4.625%
HK$29,235
+HK$1,463/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,544/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,631
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,491
−HK$873/mo
Today · 4.125%
HK$29,364
baseline
▲ 0.50% · 4.625%
HK$31,151
+HK$1,787/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,728/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,739
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,564
−HK$836/mo
Today · 4.125%
HK$32,400
baseline
▲ 0.50% · 4.625%
HK$34,108
+HK$1,708/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,800/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,526
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,631
−HK$1,123/mo
Today · 4.125%
HK$37,754
baseline
▲ 0.50% · 4.625%
HK$40,051
+HK$2,297/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$75,508/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,522
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,582
−HK$1,075/mo
Today · 4.125%
HK$41,657
baseline
▲ 0.50% · 4.625%
HK$43,853
+HK$2,196/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$83,314/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,662 · 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).