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$19,744
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,358
−HK$624/mo
Today · 4.125%
HK$20,982
baseline
▲ 0.50% · 4.625%
HK$22,259
+HK$1,277/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,964/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,965
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,554
−HK$598/mo
Today · 4.125%
HK$23,152
baseline
▲ 0.50% · 4.625%
HK$24,372
+HK$1,220/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,304/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,693
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,430
−HK$748/mo
Today · 4.125%
HK$25,178
baseline
▲ 0.50% · 4.625%
HK$26,711
+HK$1,533/mo
Deposit HK$3.46M · loan HK$5.20M · min. income ≈ HK$50,356/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,358
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,065
−HK$717/mo
Today · 4.125%
HK$27,782
baseline
▲ 0.50% · 4.625%
HK$29,246
+HK$1,464/mo
Deposit HK$3.46M · loan HK$5.20M · min. income ≈ HK$55,564/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,641
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,501
−HK$874/mo
Today · 4.125%
HK$29,375
baseline
▲ 0.50% · 4.625%
HK$31,162
+HK$1,787/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,750/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,751
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,576
−HK$836/mo
Today · 4.125%
HK$32,412
baseline
▲ 0.50% · 4.625%
HK$34,121
+HK$1,709/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,824/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,539
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,645
−HK$1,123/mo
Today · 4.125%
HK$37,768
baseline
▲ 0.50% · 4.625%
HK$40,066
+HK$2,298/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$75,536/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,537
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,597
−HK$1,076/mo
Today · 4.125%
HK$41,673
baseline
▲ 0.50% · 4.625%
HK$43,870
+HK$2,197/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$83,346/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,760 · 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).