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$19,776
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,391
−HK$625/mo
Today · 4.125%
HK$21,016
baseline
▲ 0.50% · 4.625%
HK$22,295
+HK$1,279/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,032/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,001
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,591
−HK$598/mo
Today · 4.125%
HK$23,189
baseline
▲ 0.50% · 4.625%
HK$24,412
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,378/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,731
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,469
−HK$750/mo
Today · 4.125%
HK$25,219
baseline
▲ 0.50% · 4.625%
HK$26,754
+HK$1,535/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,438/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,401
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,109
−HK$718/mo
Today · 4.125%
HK$27,827
baseline
▲ 0.50% · 4.625%
HK$29,294
+HK$1,467/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,654/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,686
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,548
−HK$875/mo
Today · 4.125%
HK$29,423
baseline
▲ 0.50% · 4.625%
HK$31,213
+HK$1,790/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,846/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,801
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,627
−HK$838/mo
Today · 4.125%
HK$32,465
baseline
▲ 0.50% · 4.625%
HK$34,176
+HK$1,711/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,930/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,597
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,704
−HK$1,125/mo
Today · 4.125%
HK$37,829
baseline
▲ 0.50% · 4.625%
HK$40,131
+HK$2,302/mo
Deposit HK$867K · loan HK$7.81M · min. income ≈ HK$75,658/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,601
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,663
−HK$1,078/mo
Today · 4.125%
HK$41,741
baseline
▲ 0.50% · 4.625%
HK$43,941
+HK$2,200/mo
Deposit HK$867K · loan HK$7.81M · min. income ≈ HK$83,482/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,182 · 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).