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$19,727
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,341
−HK$623/mo
Today · 4.125%
HK$20,964
baseline
▲ 0.50% · 4.625%
HK$22,240
+HK$1,276/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,928/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,946
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,535
−HK$597/mo
Today · 4.125%
HK$23,132
baseline
▲ 0.50% · 4.625%
HK$24,351
+HK$1,219/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,264/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,672
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,409
−HK$748/mo
Today · 4.125%
HK$25,157
baseline
▲ 0.50% · 4.625%
HK$26,688
+HK$1,531/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,314/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,335
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,042
−HK$716/mo
Today · 4.125%
HK$27,758
baseline
▲ 0.50% · 4.625%
HK$29,221
+HK$1,463/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,516/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,618
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,477
−HK$873/mo
Today · 4.125%
HK$29,350
baseline
▲ 0.50% · 4.625%
HK$31,135
+HK$1,785/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,700/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,724
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,548
−HK$836/mo
Today · 4.125%
HK$32,384
baseline
▲ 0.50% · 4.625%
HK$34,091
+HK$1,707/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,768/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,509
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,613
−HK$1,122/mo
Today · 4.125%
HK$37,735
baseline
▲ 0.50% · 4.625%
HK$40,031
+HK$2,296/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$75,470/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,503
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,562
−HK$1,075/mo
Today · 4.125%
HK$41,637
baseline
▲ 0.50% · 4.625%
HK$43,832
+HK$2,195/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$83,274/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,537 · 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).