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$19,746
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,360
−HK$624/mo
Today · 4.125%
HK$20,984
baseline
▲ 0.50% · 4.625%
HK$22,261
+HK$1,277/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,968/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,967
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,556
−HK$598/mo
Today · 4.125%
HK$23,154
baseline
▲ 0.50% · 4.625%
HK$24,374
+HK$1,220/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,308/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,695
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,432
−HK$749/mo
Today · 4.125%
HK$25,181
baseline
▲ 0.50% · 4.625%
HK$26,713
+HK$1,532/mo
Deposit HK$3.46M · loan HK$5.20M · min. income ≈ HK$50,362/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,361
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,068
−HK$717/mo
Today · 4.125%
HK$27,785
baseline
▲ 0.50% · 4.625%
HK$29,249
+HK$1,464/mo
Deposit HK$3.46M · loan HK$5.20M · min. income ≈ HK$55,570/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,644
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,504
−HK$874/mo
Today · 4.125%
HK$29,378
baseline
▲ 0.50% · 4.625%
HK$31,165
+HK$1,787/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,756/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,754
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,579
−HK$837/mo
Today · 4.125%
HK$32,416
baseline
▲ 0.50% · 4.625%
HK$34,124
+HK$1,708/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,832/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,543
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,648
−HK$1,124/mo
Today · 4.125%
HK$37,772
baseline
▲ 0.50% · 4.625%
HK$40,070
+HK$2,298/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$75,544/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,541
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,601
−HK$1,076/mo
Today · 4.125%
HK$41,677
baseline
▲ 0.50% · 4.625%
HK$43,874
+HK$2,197/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$83,354/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,786 · 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).