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$19,724
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,338
−HK$623/mo
Today · 4.125%
HK$20,961
baseline
▲ 0.50% · 4.625%
HK$22,237
+HK$1,276/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,922/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,943
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,532
−HK$597/mo
Today · 4.125%
HK$23,129
baseline
▲ 0.50% · 4.625%
HK$24,348
+HK$1,219/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,258/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,669
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,405
−HK$748/mo
Today · 4.125%
HK$25,153
baseline
▲ 0.50% · 4.625%
HK$26,684
+HK$1,531/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,306/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,332
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,038
−HK$716/mo
Today · 4.125%
HK$27,754
baseline
▲ 0.50% · 4.625%
HK$29,217
+HK$1,463/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,508/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,614
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,473
−HK$873/mo
Today · 4.125%
HK$29,346
baseline
▲ 0.50% · 4.625%
HK$31,131
+HK$1,785/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,692/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,720
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,544
−HK$836/mo
Today · 4.125%
HK$32,380
baseline
▲ 0.50% · 4.625%
HK$34,087
+HK$1,707/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,760/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,504
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,608
−HK$1,122/mo
Today · 4.125%
HK$37,730
baseline
▲ 0.50% · 4.625%
HK$40,026
+HK$2,296/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$75,460/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,498
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,557
−HK$1,075/mo
Today · 4.125%
HK$41,632
baseline
▲ 0.50% · 4.625%
HK$43,826
+HK$2,194/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$83,264/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,502 · 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).