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$19,741
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,355
−HK$624/mo
Today · 4.125%
HK$20,979
baseline
▲ 0.50% · 4.625%
HK$22,255
+HK$1,276/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,958/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,962
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,551
−HK$597/mo
Today · 4.125%
HK$23,148
baseline
▲ 0.50% · 4.625%
HK$24,368
+HK$1,220/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,296/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,689
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,426
−HK$749/mo
Today · 4.125%
HK$25,175
baseline
▲ 0.50% · 4.625%
HK$26,707
+HK$1,532/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,350/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,354
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,061
−HK$717/mo
Today · 4.125%
HK$27,778
baseline
▲ 0.50% · 4.625%
HK$29,242
+HK$1,464/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,556/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,637
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,497
−HK$873/mo
Today · 4.125%
HK$29,370
baseline
▲ 0.50% · 4.625%
HK$31,158
+HK$1,788/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,740/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,746
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,571
−HK$836/mo
Today · 4.125%
HK$32,407
baseline
▲ 0.50% · 4.625%
HK$34,116
+HK$1,709/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,814/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,534
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,639
−HK$1,123/mo
Today · 4.125%
HK$37,762
baseline
▲ 0.50% · 4.625%
HK$40,060
+HK$2,298/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$75,524/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,531
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,591
−HK$1,076/mo
Today · 4.125%
HK$41,667
baseline
▲ 0.50% · 4.625%
HK$43,863
+HK$2,196/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$83,334/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,721 · 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).