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$19,758
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,373
−HK$624/mo
Today · 4.125%
HK$20,997
baseline
▲ 0.50% · 4.625%
HK$22,275
+HK$1,278/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,994/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,981
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,570
−HK$598/mo
Today · 4.125%
HK$23,168
baseline
▲ 0.50% · 4.625%
HK$24,389
+HK$1,221/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,336/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,710
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,447
−HK$749/mo
Today · 4.125%
HK$25,196
baseline
▲ 0.50% · 4.625%
HK$26,730
+HK$1,534/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,392/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,377
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,084
−HK$718/mo
Today · 4.125%
HK$27,802
baseline
▲ 0.50% · 4.625%
HK$29,267
+HK$1,465/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,604/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,661
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,522
−HK$874/mo
Today · 4.125%
HK$29,396
baseline
▲ 0.50% · 4.625%
HK$31,185
+HK$1,789/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,792/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,773
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,598
−HK$837/mo
Today · 4.125%
HK$32,435
baseline
▲ 0.50% · 4.625%
HK$34,145
+HK$1,710/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,870/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,564
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,671
−HK$1,124/mo
Today · 4.125%
HK$37,795
baseline
▲ 0.50% · 4.625%
HK$40,094
+HK$2,299/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$75,590/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,565
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,626
−HK$1,077/mo
Today · 4.125%
HK$41,703
baseline
▲ 0.50% · 4.625%
HK$43,901
+HK$2,198/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$83,406/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,946 · 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).