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$19,757
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,371
−HK$624/mo
Today · 4.125%
HK$20,995
baseline
▲ 0.50% · 4.625%
HK$22,273
+HK$1,278/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,990/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,979
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,568
−HK$598/mo
Today · 4.125%
HK$23,166
baseline
▲ 0.50% · 4.625%
HK$24,388
+HK$1,222/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,332/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,708
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,445
−HK$750/mo
Today · 4.125%
HK$25,195
baseline
▲ 0.50% · 4.625%
HK$26,728
+HK$1,533/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,390/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,375
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,082
−HK$718/mo
Today · 4.125%
HK$27,800
baseline
▲ 0.50% · 4.625%
HK$29,265
+HK$1,465/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,600/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,659
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,519
−HK$875/mo
Today · 4.125%
HK$29,394
baseline
▲ 0.50% · 4.625%
HK$31,182
+HK$1,788/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,788/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,770
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,596
−HK$837/mo
Today · 4.125%
HK$32,433
baseline
▲ 0.50% · 4.625%
HK$34,143
+HK$1,710/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,866/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,562
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,668
−HK$1,124/mo
Today · 4.125%
HK$37,792
baseline
▲ 0.50% · 4.625%
HK$40,091
+HK$2,299/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$75,584/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,562
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,623
−HK$1,076/mo
Today · 4.125%
HK$41,699
baseline
▲ 0.50% · 4.625%
HK$43,898
+HK$2,199/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$83,398/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,925 · 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).