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$19,748
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,362
−HK$624/mo
Today · 4.125%
HK$20,986
baseline
▲ 0.50% · 4.625%
HK$22,263
+HK$1,277/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,972/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,969
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,558
−HK$598/mo
Today · 4.125%
HK$23,156
baseline
▲ 0.50% · 4.625%
HK$24,376
+HK$1,220/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,312/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,697
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,434
−HK$749/mo
Today · 4.125%
HK$25,183
baseline
▲ 0.50% · 4.625%
HK$26,715
+HK$1,532/mo
Deposit HK$3.46M · loan HK$5.20M · min. income ≈ HK$50,366/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,363
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,070
−HK$717/mo
Today · 4.125%
HK$27,787
baseline
▲ 0.50% · 4.625%
HK$29,252
+HK$1,465/mo
Deposit HK$3.46M · loan HK$5.20M · min. income ≈ HK$55,574/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,647
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,506
−HK$874/mo
Today · 4.125%
HK$29,380
baseline
▲ 0.50% · 4.625%
HK$31,168
+HK$1,788/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,760/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,756
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,581
−HK$837/mo
Today · 4.125%
HK$32,418
baseline
▲ 0.50% · 4.625%
HK$34,127
+HK$1,709/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,836/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,546
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,651
−HK$1,124/mo
Today · 4.125%
HK$37,775
baseline
▲ 0.50% · 4.625%
HK$40,073
+HK$2,298/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$75,550/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,544
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,605
−HK$1,075/mo
Today · 4.125%
HK$41,680
baseline
▲ 0.50% · 4.625%
HK$43,877
+HK$2,197/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$83,360/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,807 · 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).