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$19,754
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,369
−HK$624/mo
Today · 4.125%
HK$20,993
baseline
▲ 0.50% · 4.625%
HK$22,270
+HK$1,277/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,986/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,976
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,566
−HK$598/mo
Today · 4.125%
HK$23,164
baseline
▲ 0.50% · 4.625%
HK$24,385
+HK$1,221/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,328/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,705
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,442
−HK$750/mo
Today · 4.125%
HK$25,192
baseline
▲ 0.50% · 4.625%
HK$26,724
+HK$1,532/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,384/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,372
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,079
−HK$717/mo
Today · 4.125%
HK$27,796
baseline
▲ 0.50% · 4.625%
HK$29,262
+HK$1,466/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,592/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,656
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,516
−HK$874/mo
Today · 4.125%
HK$29,390
baseline
▲ 0.50% · 4.625%
HK$31,179
+HK$1,789/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,780/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,767
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,592
−HK$837/mo
Today · 4.125%
HK$32,429
baseline
▲ 0.50% · 4.625%
HK$34,139
+HK$1,710/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,858/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,558
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,664
−HK$1,123/mo
Today · 4.125%
HK$37,787
baseline
▲ 0.50% · 4.625%
HK$40,087
+HK$2,300/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$75,574/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,558
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,618
−HK$1,077/mo
Today · 4.125%
HK$41,695
baseline
▲ 0.50% · 4.625%
HK$43,892
+HK$2,197/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$83,390/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,896 · 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).