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$19,734
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,348
−HK$624/mo
Today · 4.125%
HK$20,972
baseline
▲ 0.50% · 4.625%
HK$22,248
+HK$1,276/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,944/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,954
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,543
−HK$597/mo
Today · 4.125%
HK$23,140
baseline
▲ 0.50% · 4.625%
HK$24,360
+HK$1,220/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,280/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,681
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,418
−HK$748/mo
Today · 4.125%
HK$25,166
baseline
▲ 0.50% · 4.625%
HK$26,697
+HK$1,531/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,332/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,345
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,051
−HK$717/mo
Today · 4.125%
HK$27,768
baseline
▲ 0.50% · 4.625%
HK$29,232
+HK$1,464/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,536/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,628
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,487
−HK$873/mo
Today · 4.125%
HK$29,360
baseline
▲ 0.50% · 4.625%
HK$31,147
+HK$1,787/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,720/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,736
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,560
−HK$836/mo
Today · 4.125%
HK$32,396
baseline
▲ 0.50% · 4.625%
HK$34,104
+HK$1,708/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,792/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,521
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,626
−HK$1,123/mo
Today · 4.125%
HK$37,749
baseline
▲ 0.50% · 4.625%
HK$40,046
+HK$2,297/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$75,498/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,517
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,577
−HK$1,075/mo
Today · 4.125%
HK$41,652
baseline
▲ 0.50% · 4.625%
HK$43,848
+HK$2,196/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$83,304/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,631 · 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).