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$19,742
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,356
−HK$624/mo
Today · 4.125%
HK$20,980
baseline
▲ 0.50% · 4.625%
HK$22,256
+HK$1,276/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,960/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,963
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,552
−HK$597/mo
Today · 4.125%
HK$23,149
baseline
▲ 0.50% · 4.625%
HK$24,369
+HK$1,220/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,298/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,690
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,427
−HK$749/mo
Today · 4.125%
HK$25,176
baseline
▲ 0.50% · 4.625%
HK$26,708
+HK$1,532/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,352/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,355
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,062
−HK$717/mo
Today · 4.125%
HK$27,779
baseline
▲ 0.50% · 4.625%
HK$29,243
+HK$1,464/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,558/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,639
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,498
−HK$874/mo
Today · 4.125%
HK$29,372
baseline
▲ 0.50% · 4.625%
HK$31,159
+HK$1,787/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,744/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,748
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,572
−HK$837/mo
Today · 4.125%
HK$32,409
baseline
▲ 0.50% · 4.625%
HK$34,117
+HK$1,708/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,818/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,535
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,641
−HK$1,123/mo
Today · 4.125%
HK$37,764
baseline
▲ 0.50% · 4.625%
HK$40,062
+HK$2,298/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$75,528/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,533
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,593
−HK$1,076/mo
Today · 4.125%
HK$41,669
baseline
▲ 0.50% · 4.625%
HK$43,865
+HK$2,196/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$83,338/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,733 · 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).