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$19,813
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,429
−HK$626/mo
Today · 4.125%
HK$21,055
baseline
▲ 0.50% · 4.625%
HK$22,336
+HK$1,281/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,110/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,041
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,632
−HK$600/mo
Today · 4.125%
HK$23,232
baseline
▲ 0.50% · 4.625%
HK$24,457
+HK$1,225/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,464/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,775
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,515
−HK$751/mo
Today · 4.125%
HK$25,266
baseline
▲ 0.50% · 4.625%
HK$26,803
+HK$1,537/mo
Deposit HK$3.48M · loan HK$5.21M · min. income ≈ HK$50,532/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,450
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,159
−HK$720/mo
Today · 4.125%
HK$27,879
baseline
▲ 0.50% · 4.625%
HK$29,348
+HK$1,469/mo
Deposit HK$3.48M · loan HK$5.21M · min. income ≈ HK$55,758/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,738
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,600
−HK$877/mo
Today · 4.125%
HK$29,477
baseline
▲ 0.50% · 4.625%
HK$31,271
+HK$1,794/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,954/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,858
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,685
−HK$840/mo
Today · 4.125%
HK$32,525
baseline
▲ 0.50% · 4.625%
HK$34,239
+HK$1,714/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,050/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,663
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,772
−HK$1,127/mo
Today · 4.125%
HK$37,899
baseline
▲ 0.50% · 4.625%
HK$40,205
+HK$2,306/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,798/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,674
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,738
−HK$1,080/mo
Today · 4.125%
HK$41,818
baseline
▲ 0.50% · 4.625%
HK$44,022
+HK$2,204/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,636/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,663 · 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).