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$19,723
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,337
−HK$623/mo
Today · 4.125%
HK$20,960
baseline
▲ 0.50% · 4.625%
HK$22,235
+HK$1,275/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,920/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,942
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,530
−HK$597/mo
Today · 4.125%
HK$23,127
baseline
▲ 0.50% · 4.625%
HK$24,346
+HK$1,219/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,254/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,668
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,404
−HK$748/mo
Today · 4.125%
HK$25,152
baseline
▲ 0.50% · 4.625%
HK$26,682
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,304/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,330
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,036
−HK$717/mo
Today · 4.125%
HK$27,753
baseline
▲ 0.50% · 4.625%
HK$29,215
+HK$1,462/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,506/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,612
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,471
−HK$873/mo
Today · 4.125%
HK$29,344
baseline
▲ 0.50% · 4.625%
HK$31,129
+HK$1,785/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,688/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,718
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,542
−HK$836/mo
Today · 4.125%
HK$32,378
baseline
▲ 0.50% · 4.625%
HK$34,085
+HK$1,707/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,756/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,501
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,606
−HK$1,122/mo
Today · 4.125%
HK$37,728
baseline
▲ 0.50% · 4.625%
HK$40,023
+HK$2,295/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$75,456/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,495
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,554
−HK$1,075/mo
Today · 4.125%
HK$41,629
baseline
▲ 0.50% · 4.625%
HK$43,823
+HK$2,194/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$83,258/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,485 · 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).