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$19,757
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,371
−HK$625/mo
Today · 4.125%
HK$20,996
baseline
▲ 0.50% · 4.625%
HK$22,273
+HK$1,277/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,992/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,979
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,569
−HK$598/mo
Today · 4.125%
HK$23,167
baseline
▲ 0.50% · 4.625%
HK$24,388
+HK$1,221/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,334/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,708
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,446
−HK$749/mo
Today · 4.125%
HK$25,195
baseline
▲ 0.50% · 4.625%
HK$26,728
+HK$1,533/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,390/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,375
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,083
−HK$717/mo
Today · 4.125%
HK$27,800
baseline
▲ 0.50% · 4.625%
HK$29,266
+HK$1,466/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,600/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,660
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,520
−HK$874/mo
Today · 4.125%
HK$29,394
baseline
▲ 0.50% · 4.625%
HK$31,183
+HK$1,789/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,788/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,771
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,596
−HK$837/mo
Today · 4.125%
HK$32,433
baseline
▲ 0.50% · 4.625%
HK$34,143
+HK$1,710/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,866/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,562
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,669
−HK$1,123/mo
Today · 4.125%
HK$37,792
baseline
▲ 0.50% · 4.625%
HK$40,092
+HK$2,300/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$75,584/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,563
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,624
−HK$1,076/mo
Today · 4.125%
HK$41,700
baseline
▲ 0.50% · 4.625%
HK$43,898
+HK$2,198/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$83,400/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,930 · 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).