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$1,238/mo
▼ 0.25% · 3.875%
HK$20,368
−HK$624/mo
Today · 4.125%
HK$20,992
baseline
▲ 0.50% · 4.625%
HK$22,270
+HK$1,278/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,984/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,976
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,565
−HK$598/mo
Today · 4.125%
HK$23,163
baseline
▲ 0.50% · 4.625%
HK$24,384
+HK$1,221/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,326/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,704
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,442
−HK$749/mo
Today · 4.125%
HK$25,191
baseline
▲ 0.50% · 4.625%
HK$26,723
+HK$1,532/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,382/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,371
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,078
−HK$717/mo
Today · 4.125%
HK$27,795
baseline
▲ 0.50% · 4.625%
HK$29,261
+HK$1,466/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,590/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,655
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,515
−HK$874/mo
Today · 4.125%
HK$29,389
baseline
▲ 0.50% · 4.625%
HK$31,177
+HK$1,788/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,778/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,766
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,591
−HK$837/mo
Today · 4.125%
HK$32,428
baseline
▲ 0.50% · 4.625%
HK$34,137
+HK$1,709/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,856/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,556
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,662
−HK$1,124/mo
Today · 4.125%
HK$37,786
baseline
▲ 0.50% · 4.625%
HK$40,085
+HK$2,299/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$75,572/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,556
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,617
−HK$1,076/mo
Today · 4.125%
HK$41,693
baseline
▲ 0.50% · 4.625%
HK$43,891
+HK$2,198/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$83,386/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,886 · 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).