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$19,762
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,377
−HK$624/mo
Today · 4.125%
HK$21,001
baseline
▲ 0.50% · 4.625%
HK$22,279
+HK$1,278/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$42,002/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,985
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,575
−HK$598/mo
Today · 4.125%
HK$23,173
baseline
▲ 0.50% · 4.625%
HK$24,394
+HK$1,221/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,346/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,714
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,452
−HK$750/mo
Today · 4.125%
HK$25,202
baseline
▲ 0.50% · 4.625%
HK$26,735
+HK$1,533/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,404/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,382
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,090
−HK$717/mo
Today · 4.125%
HK$27,807
baseline
▲ 0.50% · 4.625%
HK$29,273
+HK$1,466/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,614/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,667
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,527
−HK$875/mo
Today · 4.125%
HK$29,402
baseline
▲ 0.50% · 4.625%
HK$31,191
+HK$1,789/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,804/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,779
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,605
−HK$837/mo
Today · 4.125%
HK$32,442
baseline
▲ 0.50% · 4.625%
HK$34,152
+HK$1,710/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,884/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,572
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,678
−HK$1,124/mo
Today · 4.125%
HK$37,802
baseline
▲ 0.50% · 4.625%
HK$40,103
+HK$2,301/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$75,604/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,573
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,634
−HK$1,077/mo
Today · 4.125%
HK$41,711
baseline
▲ 0.50% · 4.625%
HK$43,910
+HK$2,199/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$83,422/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,998 · 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).