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$19,738
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,352
−HK$624/mo
Today · 4.125%
HK$20,976
baseline
▲ 0.50% · 4.625%
HK$22,252
+HK$1,276/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,952/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,958
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,547
−HK$598/mo
Today · 4.125%
HK$23,145
baseline
▲ 0.50% · 4.625%
HK$24,365
+HK$1,220/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,290/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,685
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,422
−HK$749/mo
Today · 4.125%
HK$25,171
baseline
▲ 0.50% · 4.625%
HK$26,702
+HK$1,531/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,342/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,350
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,057
−HK$716/mo
Today · 4.125%
HK$27,773
baseline
▲ 0.50% · 4.625%
HK$29,237
+HK$1,464/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,546/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,633
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,493
−HK$873/mo
Today · 4.125%
HK$29,366
baseline
▲ 0.50% · 4.625%
HK$31,153
+HK$1,787/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,732/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,741
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,566
−HK$836/mo
Today · 4.125%
HK$32,402
baseline
▲ 0.50% · 4.625%
HK$34,110
+HK$1,708/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,804/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,528
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,633
−HK$1,123/mo
Today · 4.125%
HK$37,756
baseline
▲ 0.50% · 4.625%
HK$40,053
+HK$2,297/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$75,512/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,525
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,585
−HK$1,075/mo
Today · 4.125%
HK$41,660
baseline
▲ 0.50% · 4.625%
HK$43,856
+HK$2,196/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$83,320/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,680 · 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).