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$19,767
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,382
−HK$625/mo
Today · 4.125%
HK$21,007
baseline
▲ 0.50% · 4.625%
HK$22,285
+HK$1,278/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$42,014/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$260,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,991
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,580
−HK$599/mo
Today · 4.125%
HK$23,179
baseline
▲ 0.50% · 4.625%
HK$24,400
+HK$1,221/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,358/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$260,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,720
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,458
−HK$750/mo
Today · 4.125%
HK$25,208
baseline
▲ 0.50% · 4.625%
HK$26,742
+HK$1,534/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,416/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,389
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,096
−HK$718/mo
Today · 4.125%
HK$27,814
baseline
▲ 0.50% · 4.625%
HK$29,280
+HK$1,466/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,628/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,674
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,535
−HK$874/mo
Today · 4.125%
HK$29,409
baseline
▲ 0.50% · 4.625%
HK$31,199
+HK$1,790/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,818/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,787
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,612
−HK$838/mo
Today · 4.125%
HK$32,450
baseline
▲ 0.50% · 4.625%
HK$34,161
+HK$1,711/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,900/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,581
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,687
−HK$1,125/mo
Today · 4.125%
HK$37,812
baseline
▲ 0.50% · 4.625%
HK$40,112
+HK$2,300/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$75,624/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,583
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,645
−HK$1,077/mo
Today · 4.125%
HK$41,722
baseline
▲ 0.50% · 4.625%
HK$43,921
+HK$2,199/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$83,444/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,063 · 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).