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$19,726
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,340
−HK$623/mo
Today · 4.125%
HK$20,963
baseline
▲ 0.50% · 4.625%
HK$22,239
+HK$1,276/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,926/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,945
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,534
−HK$597/mo
Today · 4.125%
HK$23,131
baseline
▲ 0.50% · 4.625%
HK$24,350
+HK$1,219/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,262/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,671
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,408
−HK$748/mo
Today · 4.125%
HK$25,156
baseline
▲ 0.50% · 4.625%
HK$26,686
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,312/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,334
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,040
−HK$717/mo
Today · 4.125%
HK$27,757
baseline
▲ 0.50% · 4.625%
HK$29,220
+HK$1,463/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,514/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,617
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,476
−HK$872/mo
Today · 4.125%
HK$29,348
baseline
▲ 0.50% · 4.625%
HK$31,134
+HK$1,786/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,696/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,723
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,547
−HK$836/mo
Today · 4.125%
HK$32,383
baseline
▲ 0.50% · 4.625%
HK$34,090
+HK$1,707/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,766/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,507
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,612
−HK$1,122/mo
Today · 4.125%
HK$37,734
baseline
▲ 0.50% · 4.625%
HK$40,030
+HK$2,296/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$75,468/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,501
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,561
−HK$1,074/mo
Today · 4.125%
HK$41,635
baseline
▲ 0.50% · 4.625%
HK$43,830
+HK$2,195/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$83,270/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,526 · 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).