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$19,757
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,372
−HK$624/mo
Today · 4.125%
HK$20,996
baseline
▲ 0.50% · 4.625%
HK$22,274
+HK$1,278/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,992/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,980
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,569
−HK$598/mo
Today · 4.125%
HK$23,167
baseline
▲ 0.50% · 4.625%
HK$24,389
+HK$1,222/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,334/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,709
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,446
−HK$750/mo
Today · 4.125%
HK$25,196
baseline
▲ 0.50% · 4.625%
HK$26,729
+HK$1,533/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,392/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,376
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,083
−HK$718/mo
Today · 4.125%
HK$27,801
baseline
▲ 0.50% · 4.625%
HK$29,266
+HK$1,465/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,602/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,660
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,521
−HK$874/mo
Today · 4.125%
HK$29,395
baseline
▲ 0.50% · 4.625%
HK$31,183
+HK$1,788/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,790/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,772
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,597
−HK$837/mo
Today · 4.125%
HK$32,434
baseline
▲ 0.50% · 4.625%
HK$34,144
+HK$1,710/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,868/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,563
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,669
−HK$1,124/mo
Today · 4.125%
HK$37,793
baseline
▲ 0.50% · 4.625%
HK$40,093
+HK$2,300/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$75,586/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,564
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,625
−HK$1,076/mo
Today · 4.125%
HK$41,701
baseline
▲ 0.50% · 4.625%
HK$43,899
+HK$2,198/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$83,402/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,937 · 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).