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$19,748
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,363
−HK$624/mo
Today · 4.125%
HK$20,987
baseline
▲ 0.50% · 4.625%
HK$22,264
+HK$1,277/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,974/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,970
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,559
−HK$598/mo
Today · 4.125%
HK$23,157
baseline
▲ 0.50% · 4.625%
HK$24,377
+HK$1,220/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,314/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,698
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,435
−HK$749/mo
Today · 4.125%
HK$25,184
baseline
▲ 0.50% · 4.625%
HK$26,716
+HK$1,532/mo
Deposit HK$3.46M · loan HK$5.20M · min. income ≈ HK$50,368/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,364
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,071
−HK$717/mo
Today · 4.125%
HK$27,788
baseline
▲ 0.50% · 4.625%
HK$29,253
+HK$1,465/mo
Deposit HK$3.46M · loan HK$5.20M · min. income ≈ HK$55,576/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,648
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,508
−HK$873/mo
Today · 4.125%
HK$29,381
baseline
▲ 0.50% · 4.625%
HK$31,169
+HK$1,788/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,762/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,758
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,583
−HK$836/mo
Today · 4.125%
HK$32,419
baseline
▲ 0.50% · 4.625%
HK$34,128
+HK$1,709/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,838/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,547
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,653
−HK$1,123/mo
Today · 4.125%
HK$37,776
baseline
▲ 0.50% · 4.625%
HK$40,075
+HK$2,299/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$75,552/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,546
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,606
−HK$1,076/mo
Today · 4.125%
HK$41,682
baseline
▲ 0.50% · 4.625%
HK$43,879
+HK$2,197/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$83,364/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,817 · 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).