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$19,725
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,338
−HK$624/mo
Today · 4.125%
HK$20,962
baseline
▲ 0.50% · 4.625%
HK$22,237
+HK$1,275/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,924/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,944
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,532
−HK$597/mo
Today · 4.125%
HK$23,129
baseline
▲ 0.50% · 4.625%
HK$24,348
+HK$1,219/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,258/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,670
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,406
−HK$748/mo
Today · 4.125%
HK$25,154
baseline
▲ 0.50% · 4.625%
HK$26,685
+HK$1,531/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,308/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,332
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,039
−HK$716/mo
Today · 4.125%
HK$27,755
baseline
▲ 0.50% · 4.625%
HK$29,218
+HK$1,463/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,510/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,615
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,474
−HK$873/mo
Today · 4.125%
HK$29,347
baseline
▲ 0.50% · 4.625%
HK$31,132
+HK$1,785/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,694/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,721
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,545
−HK$836/mo
Today · 4.125%
HK$32,381
baseline
▲ 0.50% · 4.625%
HK$34,088
+HK$1,707/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,762/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,505
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,609
−HK$1,122/mo
Today · 4.125%
HK$37,731
baseline
▲ 0.50% · 4.625%
HK$40,027
+HK$2,296/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$75,462/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,499
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,558
−HK$1,075/mo
Today · 4.125%
HK$41,633
baseline
▲ 0.50% · 4.625%
HK$43,827
+HK$2,194/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$83,266/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,509 · 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).