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$19,771
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,386
−HK$625/mo
Today · 4.125%
HK$21,011
baseline
▲ 0.50% · 4.625%
HK$22,289
+HK$1,278/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,022/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,995
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,585
−HK$598/mo
Today · 4.125%
HK$23,183
baseline
▲ 0.50% · 4.625%
HK$24,405
+HK$1,222/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,366/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,725
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,463
−HK$750/mo
Today · 4.125%
HK$25,213
baseline
▲ 0.50% · 4.625%
HK$26,747
+HK$1,534/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,426/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,394
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,102
−HK$718/mo
Today · 4.125%
HK$27,820
baseline
▲ 0.50% · 4.625%
HK$29,286
+HK$1,466/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,640/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,679
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,540
−HK$875/mo
Today · 4.125%
HK$29,415
baseline
▲ 0.50% · 4.625%
HK$31,205
+HK$1,790/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,830/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,793
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,619
−HK$837/mo
Today · 4.125%
HK$32,456
baseline
▲ 0.50% · 4.625%
HK$34,167
+HK$1,711/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,912/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,587
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,694
−HK$1,125/mo
Today · 4.125%
HK$37,819
baseline
▲ 0.50% · 4.625%
HK$40,120
+HK$2,301/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$75,638/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,591
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,653
−HK$1,077/mo
Today · 4.125%
HK$41,730
baseline
▲ 0.50% · 4.625%
HK$43,929
+HK$2,199/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$83,460/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,114 · 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).