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$19,762
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,376
−HK$625/mo
Today · 4.125%
HK$21,001
baseline
▲ 0.50% · 4.625%
HK$22,279
+HK$1,278/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$42,002/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,984
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,574
−HK$598/mo
Today · 4.125%
HK$23,172
baseline
▲ 0.50% · 4.625%
HK$24,394
+HK$1,222/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,344/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,714
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,451
−HK$750/mo
Today · 4.125%
HK$25,201
baseline
▲ 0.50% · 4.625%
HK$26,734
+HK$1,533/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,402/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,381
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,089
−HK$718/mo
Today · 4.125%
HK$27,807
baseline
▲ 0.50% · 4.625%
HK$29,272
+HK$1,465/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,614/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,666
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,527
−HK$874/mo
Today · 4.125%
HK$29,401
baseline
▲ 0.50% · 4.625%
HK$31,190
+HK$1,789/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,802/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,778
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,604
−HK$837/mo
Today · 4.125%
HK$32,441
baseline
▲ 0.50% · 4.625%
HK$34,151
+HK$1,710/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,882/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,571
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,677
−HK$1,124/mo
Today · 4.125%
HK$37,801
baseline
▲ 0.50% · 4.625%
HK$40,101
+HK$2,300/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$75,602/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,572
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,633
−HK$1,077/mo
Today · 4.125%
HK$41,710
baseline
▲ 0.50% · 4.625%
HK$43,909
+HK$2,199/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$83,420/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,991 · 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).