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$19,766
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,381
−HK$624/mo
Today · 4.125%
HK$21,005
baseline
▲ 0.50% · 4.625%
HK$22,283
+HK$1,278/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$42,010/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$260,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,989
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,579
−HK$598/mo
Today · 4.125%
HK$23,177
baseline
▲ 0.50% · 4.625%
HK$24,399
+HK$1,222/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,354/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$260,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,719
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,457
−HK$749/mo
Today · 4.125%
HK$25,206
baseline
▲ 0.50% · 4.625%
HK$26,740
+HK$1,534/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,412/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,387
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,095
−HK$718/mo
Today · 4.125%
HK$27,813
baseline
▲ 0.50% · 4.625%
HK$29,279
+HK$1,466/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,626/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,672
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,533
−HK$874/mo
Today · 4.125%
HK$29,407
baseline
▲ 0.50% · 4.625%
HK$31,197
+HK$1,790/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,814/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,785
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,610
−HK$838/mo
Today · 4.125%
HK$32,448
baseline
▲ 0.50% · 4.625%
HK$34,158
+HK$1,710/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,896/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,578
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,685
−HK$1,124/mo
Today · 4.125%
HK$37,809
baseline
▲ 0.50% · 4.625%
HK$40,110
+HK$2,301/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$75,618/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,580
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,642
−HK$1,077/mo
Today · 4.125%
HK$41,719
baseline
▲ 0.50% · 4.625%
HK$43,918
+HK$2,199/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$83,438/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,046 · 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).