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$19,761
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,375
−HK$625/mo
Today · 4.125%
HK$21,000
baseline
▲ 0.50% · 4.625%
HK$22,278
+HK$1,278/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$42,000/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,984
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,573
−HK$598/mo
Today · 4.125%
HK$23,171
baseline
▲ 0.50% · 4.625%
HK$24,393
+HK$1,222/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,342/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,713
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,451
−HK$749/mo
Today · 4.125%
HK$25,200
baseline
▲ 0.50% · 4.625%
HK$26,733
+HK$1,533/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,400/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,380
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,088
−HK$718/mo
Today · 4.125%
HK$27,806
baseline
▲ 0.50% · 4.625%
HK$29,271
+HK$1,465/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,612/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,665
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,526
−HK$874/mo
Today · 4.125%
HK$29,400
baseline
▲ 0.50% · 4.625%
HK$31,189
+HK$1,789/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,800/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,777
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,603
−HK$837/mo
Today · 4.125%
HK$32,440
baseline
▲ 0.50% · 4.625%
HK$34,150
+HK$1,710/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,880/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,569
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,676
−HK$1,124/mo
Today · 4.125%
HK$37,800
baseline
▲ 0.50% · 4.625%
HK$40,100
+HK$2,300/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$75,600/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,571
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,632
−HK$1,077/mo
Today · 4.125%
HK$41,709
baseline
▲ 0.50% · 4.625%
HK$43,907
+HK$2,198/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$83,418/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,982 · 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).