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$19,755
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,369
−HK$625/mo
Today · 4.125%
HK$20,994
baseline
▲ 0.50% · 4.625%
HK$22,271
+HK$1,277/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,988/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,977
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,567
−HK$597/mo
Today · 4.125%
HK$23,164
baseline
▲ 0.50% · 4.625%
HK$24,385
+HK$1,221/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,328/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,706
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,443
−HK$749/mo
Today · 4.125%
HK$25,192
baseline
▲ 0.50% · 4.625%
HK$26,725
+HK$1,533/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,384/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,373
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,080
−HK$717/mo
Today · 4.125%
HK$27,797
baseline
▲ 0.50% · 4.625%
HK$29,263
+HK$1,466/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,594/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,657
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,517
−HK$874/mo
Today · 4.125%
HK$29,391
baseline
▲ 0.50% · 4.625%
HK$31,180
+HK$1,789/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,782/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,768
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,593
−HK$837/mo
Today · 4.125%
HK$32,430
baseline
▲ 0.50% · 4.625%
HK$34,140
+HK$1,710/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,860/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,559
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,665
−HK$1,124/mo
Today · 4.125%
HK$37,789
baseline
▲ 0.50% · 4.625%
HK$40,088
+HK$2,299/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$75,578/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,559
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,620
−HK$1,076/mo
Today · 4.125%
HK$41,696
baseline
▲ 0.50% · 4.625%
HK$43,894
+HK$2,198/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$83,392/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,904 · 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).