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$19,733
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,346
−HK$624/mo
Today · 4.125%
HK$20,970
baseline
▲ 0.50% · 4.625%
HK$22,246
+HK$1,276/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,940/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,952
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,541
−HK$597/mo
Today · 4.125%
HK$23,138
baseline
▲ 0.50% · 4.625%
HK$24,358
+HK$1,220/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,276/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,679
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,416
−HK$748/mo
Today · 4.125%
HK$25,164
baseline
▲ 0.50% · 4.625%
HK$26,695
+HK$1,531/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,328/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,343
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,049
−HK$717/mo
Today · 4.125%
HK$27,766
baseline
▲ 0.50% · 4.625%
HK$29,230
+HK$1,464/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,532/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,626
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,485
−HK$873/mo
Today · 4.125%
HK$29,358
baseline
▲ 0.50% · 4.625%
HK$31,144
+HK$1,786/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,716/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,733
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,557
−HK$837/mo
Today · 4.125%
HK$32,394
baseline
▲ 0.50% · 4.625%
HK$34,101
+HK$1,707/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,788/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,519
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,624
−HK$1,122/mo
Today · 4.125%
HK$37,746
baseline
▲ 0.50% · 4.625%
HK$40,043
+HK$2,297/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$75,492/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,514
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,574
−HK$1,075/mo
Today · 4.125%
HK$41,649
baseline
▲ 0.50% · 4.625%
HK$43,844
+HK$2,195/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$83,298/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,611 · 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).