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$19,725
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,339
−HK$623/mo
Today · 4.125%
HK$20,962
baseline
▲ 0.50% · 4.625%
HK$22,238
+HK$1,276/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,924/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,944
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,533
−HK$597/mo
Today · 4.125%
HK$23,130
baseline
▲ 0.50% · 4.625%
HK$24,349
+HK$1,219/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,260/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,670
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,407
−HK$748/mo
Today · 4.125%
HK$25,155
baseline
▲ 0.50% · 4.625%
HK$26,685
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,310/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,333
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,039
−HK$717/mo
Today · 4.125%
HK$27,756
baseline
▲ 0.50% · 4.625%
HK$29,219
+HK$1,463/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,512/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,615
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,474
−HK$873/mo
Today · 4.125%
HK$29,347
baseline
▲ 0.50% · 4.625%
HK$31,133
+HK$1,786/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,694/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,722
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,546
−HK$836/mo
Today · 4.125%
HK$32,382
baseline
▲ 0.50% · 4.625%
HK$34,089
+HK$1,707/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,764/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,506
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,610
−HK$1,122/mo
Today · 4.125%
HK$37,732
baseline
▲ 0.50% · 4.625%
HK$40,028
+HK$2,296/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$75,464/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,500
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,559
−HK$1,075/mo
Today · 4.125%
HK$41,634
baseline
▲ 0.50% · 4.625%
HK$43,828
+HK$2,194/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$83,268/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,515 · 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).