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$19,822
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,439
−HK$626/mo
Today · 4.125%
HK$21,065
baseline
▲ 0.50% · 4.625%
HK$22,347
+HK$1,282/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,130/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,052
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,643
−HK$600/mo
Today · 4.125%
HK$23,243
baseline
▲ 0.50% · 4.625%
HK$24,468
+HK$1,225/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,486/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,786
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,526
−HK$752/mo
Today · 4.125%
HK$25,278
baseline
▲ 0.50% · 4.625%
HK$26,816
+HK$1,538/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,556/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,462
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,172
−HK$720/mo
Today · 4.125%
HK$27,892
baseline
▲ 0.50% · 4.625%
HK$29,362
+HK$1,470/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,784/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,751
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,614
−HK$877/mo
Today · 4.125%
HK$29,491
baseline
▲ 0.50% · 4.625%
HK$31,286
+HK$1,795/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$58,982/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,873
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,701
−HK$839/mo
Today · 4.125%
HK$32,540
baseline
▲ 0.50% · 4.625%
HK$34,256
+HK$1,716/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,080/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,680
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,790
−HK$1,127/mo
Today · 4.125%
HK$37,917
baseline
▲ 0.50% · 4.625%
HK$40,224
+HK$2,307/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,834/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,693
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,758
−HK$1,080/mo
Today · 4.125%
HK$41,838
baseline
▲ 0.50% · 4.625%
HK$44,043
+HK$2,205/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,676/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,787 · 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).