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$19,735
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,349
−HK$624/mo
Today · 4.125%
HK$20,973
baseline
▲ 0.50% · 4.625%
HK$22,249
+HK$1,276/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,946/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,955
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,544
−HK$597/mo
Today · 4.125%
HK$23,141
baseline
▲ 0.50% · 4.625%
HK$24,361
+HK$1,220/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,282/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,682
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,419
−HK$748/mo
Today · 4.125%
HK$25,167
baseline
▲ 0.50% · 4.625%
HK$26,698
+HK$1,531/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,334/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,346
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,053
−HK$716/mo
Today · 4.125%
HK$27,769
baseline
▲ 0.50% · 4.625%
HK$29,233
+HK$1,464/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,538/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,629
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,488
−HK$874/mo
Today · 4.125%
HK$29,362
baseline
▲ 0.50% · 4.625%
HK$31,148
+HK$1,786/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,724/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,737
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,561
−HK$837/mo
Today · 4.125%
HK$32,398
baseline
▲ 0.50% · 4.625%
HK$34,105
+HK$1,707/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,796/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,523
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,628
−HK$1,123/mo
Today · 4.125%
HK$37,751
baseline
▲ 0.50% · 4.625%
HK$40,048
+HK$2,297/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$75,502/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,519
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,579
−HK$1,075/mo
Today · 4.125%
HK$41,654
baseline
▲ 0.50% · 4.625%
HK$43,850
+HK$2,196/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$83,308/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,643 · 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).