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$19,739
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,353
−HK$624/mo
Today · 4.125%
HK$20,977
baseline
▲ 0.50% · 4.625%
HK$22,253
+HK$1,276/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,954/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,960
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,549
−HK$597/mo
Today · 4.125%
HK$23,146
baseline
▲ 0.50% · 4.625%
HK$24,366
+HK$1,220/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,292/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,687
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,424
−HK$748/mo
Today · 4.125%
HK$25,172
baseline
▲ 0.50% · 4.625%
HK$26,704
+HK$1,532/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,344/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,352
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,058
−HK$717/mo
Today · 4.125%
HK$27,775
baseline
▲ 0.50% · 4.625%
HK$29,239
+HK$1,464/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,550/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,635
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,495
−HK$873/mo
Today · 4.125%
HK$29,368
baseline
▲ 0.50% · 4.625%
HK$31,155
+HK$1,787/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,736/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,744
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,568
−HK$837/mo
Today · 4.125%
HK$32,405
baseline
▲ 0.50% · 4.625%
HK$34,113
+HK$1,708/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,810/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,531
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,636
−HK$1,123/mo
Today · 4.125%
HK$37,759
baseline
▲ 0.50% · 4.625%
HK$40,056
+HK$2,297/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$75,518/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,527
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,588
−HK$1,075/mo
Today · 4.125%
HK$41,663
baseline
▲ 0.50% · 4.625%
HK$43,859
+HK$2,196/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$83,326/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,698 · 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).