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$19,736
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,350
−HK$623/mo
Today · 4.125%
HK$20,973
baseline
▲ 0.50% · 4.625%
HK$22,250
+HK$1,277/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,946/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,956
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,545
−HK$597/mo
Today · 4.125%
HK$23,142
baseline
▲ 0.50% · 4.625%
HK$24,362
+HK$1,220/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,284/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,683
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,420
−HK$748/mo
Today · 4.125%
HK$25,168
baseline
▲ 0.50% · 4.625%
HK$26,699
+HK$1,531/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,336/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,347
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,054
−HK$716/mo
Today · 4.125%
HK$27,770
baseline
▲ 0.50% · 4.625%
HK$29,234
+HK$1,464/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,540/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,630
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,490
−HK$873/mo
Today · 4.125%
HK$29,363
baseline
▲ 0.50% · 4.625%
HK$31,149
+HK$1,786/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,726/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,738
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,563
−HK$836/mo
Today · 4.125%
HK$32,399
baseline
▲ 0.50% · 4.625%
HK$34,107
+HK$1,708/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,798/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,524
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,629
−HK$1,123/mo
Today · 4.125%
HK$37,752
baseline
▲ 0.50% · 4.625%
HK$40,049
+HK$2,297/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$75,504/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,521
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,580
−HK$1,076/mo
Today · 4.125%
HK$41,656
baseline
▲ 0.50% · 4.625%
HK$43,851
+HK$2,195/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$83,312/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,653 · 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).