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$19,816
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,432
−HK$627/mo
Today · 4.125%
HK$21,059
baseline
▲ 0.50% · 4.625%
HK$22,340
+HK$1,281/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,118/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,045
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,636
−HK$600/mo
Today · 4.125%
HK$23,236
baseline
▲ 0.50% · 4.625%
HK$24,461
+HK$1,225/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,472/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,779
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,519
−HK$751/mo
Today · 4.125%
HK$25,270
baseline
▲ 0.50% · 4.625%
HK$26,808
+HK$1,538/mo
Deposit HK$3.48M · loan HK$5.21M · min. income ≈ HK$50,540/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,454
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,164
−HK$719/mo
Today · 4.125%
HK$27,883
baseline
▲ 0.50% · 4.625%
HK$29,353
+HK$1,470/mo
Deposit HK$3.48M · loan HK$5.21M · min. income ≈ HK$55,766/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,742
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,605
−HK$877/mo
Today · 4.125%
HK$29,482
baseline
▲ 0.50% · 4.625%
HK$31,276
+HK$1,794/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,964/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,863
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,691
−HK$840/mo
Today · 4.125%
HK$32,531
baseline
▲ 0.50% · 4.625%
HK$34,245
+HK$1,714/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,062/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,669
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,778
−HK$1,128/mo
Today · 4.125%
HK$37,906
baseline
▲ 0.50% · 4.625%
HK$40,212
+HK$2,306/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,812/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,681
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,746
−HK$1,079/mo
Today · 4.125%
HK$41,825
baseline
▲ 0.50% · 4.625%
HK$44,030
+HK$2,205/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,650/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,709 · 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).