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$19,741
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,356
−HK$623/mo
Today · 4.125%
HK$20,979
baseline
▲ 0.50% · 4.625%
HK$22,256
+HK$1,277/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,958/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,962
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,551
−HK$598/mo
Today · 4.125%
HK$23,149
baseline
▲ 0.50% · 4.625%
HK$24,369
+HK$1,220/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,298/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,690
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,427
−HK$748/mo
Today · 4.125%
HK$25,175
baseline
▲ 0.50% · 4.625%
HK$26,707
+HK$1,532/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,350/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,355
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,061
−HK$717/mo
Today · 4.125%
HK$27,778
baseline
▲ 0.50% · 4.625%
HK$29,243
+HK$1,465/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,556/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,638
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,498
−HK$873/mo
Today · 4.125%
HK$29,371
baseline
▲ 0.50% · 4.625%
HK$31,158
+HK$1,787/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,742/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,747
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,572
−HK$836/mo
Today · 4.125%
HK$32,408
baseline
▲ 0.50% · 4.625%
HK$34,116
+HK$1,708/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,816/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,535
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,640
−HK$1,123/mo
Today · 4.125%
HK$37,763
baseline
▲ 0.50% · 4.625%
HK$40,061
+HK$2,298/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$75,526/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,532
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,592
−HK$1,076/mo
Today · 4.125%
HK$41,668
baseline
▲ 0.50% · 4.625%
HK$43,864
+HK$2,196/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$83,336/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,727 · 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).