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$19,728
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,341
−HK$624/mo
Today · 4.125%
HK$20,965
baseline
▲ 0.50% · 4.625%
HK$22,240
+HK$1,275/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,930/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,947
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,535
−HK$597/mo
Today · 4.125%
HK$23,132
baseline
▲ 0.50% · 4.625%
HK$24,352
+HK$1,220/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,264/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,673
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,409
−HK$749/mo
Today · 4.125%
HK$25,158
baseline
▲ 0.50% · 4.625%
HK$26,688
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,316/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,336
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,042
−HK$717/mo
Today · 4.125%
HK$27,759
baseline
▲ 0.50% · 4.625%
HK$29,222
+HK$1,463/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,518/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,619
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,478
−HK$872/mo
Today · 4.125%
HK$29,350
baseline
▲ 0.50% · 4.625%
HK$31,136
+HK$1,786/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,700/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,725
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,549
−HK$836/mo
Today · 4.125%
HK$32,385
baseline
▲ 0.50% · 4.625%
HK$34,092
+HK$1,707/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,770/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,510
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,614
−HK$1,122/mo
Today · 4.125%
HK$37,736
baseline
▲ 0.50% · 4.625%
HK$40,032
+HK$2,296/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$75,472/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,504
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,563
−HK$1,075/mo
Today · 4.125%
HK$41,638
baseline
▲ 0.50% · 4.625%
HK$43,833
+HK$2,195/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$83,276/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,544 · 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).