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$22,290
+HK$1,279/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$260,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,995
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,585
−HK$599/mo
Today · 4.125%
HK$23,184
baseline
▲ 0.50% · 4.625%
HK$24,406
+HK$1,222/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,368/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,726
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,464
−HK$749/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$260,119 · 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$29,287
+HK$1,467/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$260,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,680
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,541
−HK$875/mo
Today · 4.125%
HK$29,416
baseline
▲ 0.50% · 4.625%
HK$31,205
+HK$1,789/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,832/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,793
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,619
−HK$838/mo
Today · 4.125%
HK$32,457
baseline
▲ 0.50% · 4.625%
HK$34,168
+HK$1,711/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,914/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,588
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,695
−HK$1,125/mo
Today · 4.125%
HK$37,820
baseline
▲ 0.50% · 4.625%
HK$40,121
+HK$2,301/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$75,640/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,592
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,653
−HK$1,078/mo
Today · 4.125%
HK$41,731
baseline
▲ 0.50% · 4.625%
HK$43,930
+HK$2,199/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$83,462/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,119 · 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).