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$19,760
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,375
−HK$624/mo
Today · 4.125%
HK$20,999
baseline
▲ 0.50% · 4.625%
HK$22,277
+HK$1,278/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,998/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,983
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,572
−HK$598/mo
Today · 4.125%
HK$23,170
baseline
▲ 0.50% · 4.625%
HK$24,392
+HK$1,222/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,340/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,712
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,450
−HK$749/mo
Today · 4.125%
HK$25,199
baseline
▲ 0.50% · 4.625%
HK$26,732
+HK$1,533/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,398/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,379
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,087
−HK$718/mo
Today · 4.125%
HK$27,805
baseline
▲ 0.50% · 4.625%
HK$29,270
+HK$1,465/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,610/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,664
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,525
−HK$874/mo
Today · 4.125%
HK$29,399
baseline
▲ 0.50% · 4.625%
HK$31,188
+HK$1,789/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,798/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,776
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,601
−HK$838/mo
Today · 4.125%
HK$32,439
baseline
▲ 0.50% · 4.625%
HK$34,149
+HK$1,710/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,878/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,568
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,674
−HK$1,124/mo
Today · 4.125%
HK$37,798
baseline
▲ 0.50% · 4.625%
HK$40,098
+HK$2,300/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$75,596/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,569
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,630
−HK$1,077/mo
Today · 4.125%
HK$41,707
baseline
▲ 0.50% · 4.625%
HK$43,905
+HK$2,198/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$83,414/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,971 · 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).