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$19,756
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,370
−HK$625/mo
Today · 4.125%
HK$20,995
baseline
▲ 0.50% · 4.625%
HK$22,272
+HK$1,277/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,990/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,978
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,567
−HK$598/mo
Today · 4.125%
HK$23,165
baseline
▲ 0.50% · 4.625%
HK$24,387
+HK$1,222/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,330/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,707
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,444
−HK$750/mo
Today · 4.125%
HK$25,194
baseline
▲ 0.50% · 4.625%
HK$26,726
+HK$1,532/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,388/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,374
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,081
−HK$718/mo
Today · 4.125%
HK$27,799
baseline
▲ 0.50% · 4.625%
HK$29,264
+HK$1,465/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,598/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,658
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,518
−HK$874/mo
Today · 4.125%
HK$29,392
baseline
▲ 0.50% · 4.625%
HK$31,181
+HK$1,789/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,784/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,769
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,594
−HK$838/mo
Today · 4.125%
HK$32,432
baseline
▲ 0.50% · 4.625%
HK$34,141
+HK$1,709/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,864/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,560
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,666
−HK$1,124/mo
Today · 4.125%
HK$37,790
baseline
▲ 0.50% · 4.625%
HK$40,090
+HK$2,300/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$75,580/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,561
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,621
−HK$1,077/mo
Today · 4.125%
HK$41,698
baseline
▲ 0.50% · 4.625%
HK$43,896
+HK$2,198/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$83,396/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,915 · 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).