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$19,752
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,366
−HK$624/mo
Today · 4.125%
HK$20,990
baseline
▲ 0.50% · 4.625%
HK$22,268
+HK$1,278/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,980/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,974
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,563
−HK$598/mo
Today · 4.125%
HK$23,161
baseline
▲ 0.50% · 4.625%
HK$24,382
+HK$1,221/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,322/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,702
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,439
−HK$749/mo
Today · 4.125%
HK$25,188
baseline
▲ 0.50% · 4.625%
HK$26,721
+HK$1,533/mo
Deposit HK$3.46M · loan HK$5.20M · min. income ≈ HK$50,376/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,368
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,076
−HK$717/mo
Today · 4.125%
HK$27,793
baseline
▲ 0.50% · 4.625%
HK$29,258
+HK$1,465/mo
Deposit HK$3.46M · loan HK$5.20M · min. income ≈ HK$55,586/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,652
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,513
−HK$874/mo
Today · 4.125%
HK$29,387
baseline
▲ 0.50% · 4.625%
HK$31,175
+HK$1,788/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,774/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,763
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,588
−HK$837/mo
Today · 4.125%
HK$32,425
baseline
▲ 0.50% · 4.625%
HK$34,134
+HK$1,709/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,850/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,553
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,659
−HK$1,124/mo
Today · 4.125%
HK$37,783
baseline
▲ 0.50% · 4.625%
HK$40,082
+HK$2,299/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$75,566/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,553
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,613
−HK$1,076/mo
Today · 4.125%
HK$41,689
baseline
▲ 0.50% · 4.625%
HK$43,887
+HK$2,198/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$83,378/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,863 · 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).