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$19,745
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,360
−HK$624/mo
Today · 4.125%
HK$20,984
baseline
▲ 0.50% · 4.625%
HK$22,260
+HK$1,276/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,968/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,967
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,556
−HK$597/mo
Today · 4.125%
HK$23,153
baseline
▲ 0.50% · 4.625%
HK$24,374
+HK$1,221/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,306/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,694
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,431
−HK$749/mo
Today · 4.125%
HK$25,180
baseline
▲ 0.50% · 4.625%
HK$26,712
+HK$1,532/mo
Deposit HK$3.46M · loan HK$5.20M · min. income ≈ HK$50,360/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,360
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,067
−HK$717/mo
Today · 4.125%
HK$27,784
baseline
▲ 0.50% · 4.625%
HK$29,249
+HK$1,465/mo
Deposit HK$3.46M · loan HK$5.20M · min. income ≈ HK$55,568/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,644
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,503
−HK$874/mo
Today · 4.125%
HK$29,377
baseline
▲ 0.50% · 4.625%
HK$31,165
+HK$1,788/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,754/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,753
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,578
−HK$837/mo
Today · 4.125%
HK$32,415
baseline
▲ 0.50% · 4.625%
HK$34,123
+HK$1,708/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,830/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,542
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,647
−HK$1,123/mo
Today · 4.125%
HK$37,770
baseline
▲ 0.50% · 4.625%
HK$40,069
+HK$2,299/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$75,540/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,540
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,600
−HK$1,076/mo
Today · 4.125%
HK$41,676
baseline
▲ 0.50% · 4.625%
HK$43,873
+HK$2,197/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$83,352/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,779 · 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).