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$19,753
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,368
−HK$624/mo
Today · 4.125%
HK$20,992
baseline
▲ 0.50% · 4.625%
HK$22,269
+HK$1,277/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,984/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,975
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,564
−HK$598/mo
Today · 4.125%
HK$23,162
baseline
▲ 0.50% · 4.625%
HK$24,383
+HK$1,221/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,324/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,704
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,441
−HK$749/mo
Today · 4.125%
HK$25,190
baseline
▲ 0.50% · 4.625%
HK$26,723
+HK$1,533/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,380/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,370
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,077
−HK$718/mo
Today · 4.125%
HK$27,795
baseline
▲ 0.50% · 4.625%
HK$29,260
+HK$1,465/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,590/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,654
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,515
−HK$873/mo
Today · 4.125%
HK$29,388
baseline
▲ 0.50% · 4.625%
HK$31,177
+HK$1,789/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,776/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,765
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,590
−HK$837/mo
Today · 4.125%
HK$32,427
baseline
▲ 0.50% · 4.625%
HK$34,137
+HK$1,710/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,854/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,556
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,662
−HK$1,123/mo
Today · 4.125%
HK$37,785
baseline
▲ 0.50% · 4.625%
HK$40,084
+HK$2,299/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$75,570/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,555
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,616
−HK$1,076/mo
Today · 4.125%
HK$41,692
baseline
▲ 0.50% · 4.625%
HK$43,890
+HK$2,198/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$83,384/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,880 · 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).