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$19,749
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,364
−HK$624/mo
Today · 4.125%
HK$20,988
baseline
▲ 0.50% · 4.625%
HK$22,265
+HK$1,277/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,976/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,971
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,560
−HK$598/mo
Today · 4.125%
HK$23,158
baseline
▲ 0.50% · 4.625%
HK$24,378
+HK$1,220/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,316/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,699
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,436
−HK$749/mo
Today · 4.125%
HK$25,185
baseline
▲ 0.50% · 4.625%
HK$26,718
+HK$1,533/mo
Deposit HK$3.46M · loan HK$5.20M · min. income ≈ HK$50,370/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,365
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,072
−HK$717/mo
Today · 4.125%
HK$27,789
baseline
▲ 0.50% · 4.625%
HK$29,254
+HK$1,465/mo
Deposit HK$3.46M · loan HK$5.20M · min. income ≈ HK$55,578/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,649
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,509
−HK$874/mo
Today · 4.125%
HK$29,383
baseline
▲ 0.50% · 4.625%
HK$31,171
+HK$1,788/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,766/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,759
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,584
−HK$837/mo
Today · 4.125%
HK$32,421
baseline
▲ 0.50% · 4.625%
HK$34,130
+HK$1,709/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,842/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,549
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,654
−HK$1,124/mo
Today · 4.125%
HK$37,778
baseline
▲ 0.50% · 4.625%
HK$40,076
+HK$2,298/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$75,556/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,547
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,608
−HK$1,076/mo
Today · 4.125%
HK$41,684
baseline
▲ 0.50% · 4.625%
HK$43,881
+HK$2,197/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$83,368/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,829 · 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).