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$19,800
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,416
−HK$626/mo
Today · 4.125%
HK$21,042
baseline
▲ 0.50% · 4.625%
HK$22,322
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,084/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,028
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,619
−HK$599/mo
Today · 4.125%
HK$23,218
baseline
▲ 0.50% · 4.625%
HK$24,442
+HK$1,224/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,436/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,760
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,500
−HK$750/mo
Today · 4.125%
HK$25,250
baseline
▲ 0.50% · 4.625%
HK$26,787
+HK$1,537/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,500/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,433
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,142
−HK$719/mo
Today · 4.125%
HK$27,861
baseline
▲ 0.50% · 4.625%
HK$29,330
+HK$1,469/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,722/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,721
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,583
−HK$876/mo
Today · 4.125%
HK$29,459
baseline
▲ 0.50% · 4.625%
HK$31,251
+HK$1,792/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,918/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,839
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,666
−HK$839/mo
Today · 4.125%
HK$32,505
baseline
▲ 0.50% · 4.625%
HK$34,218
+HK$1,713/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,010/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,641
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,749
−HK$1,127/mo
Today · 4.125%
HK$37,876
baseline
▲ 0.50% · 4.625%
HK$40,180
+HK$2,304/mo
Deposit HK$868K · loan HK$7.82M · min. income ≈ HK$75,752/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,650
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,713
−HK$1,079/mo
Today · 4.125%
HK$41,792
baseline
▲ 0.50% · 4.625%
HK$43,995
+HK$2,203/mo
Deposit HK$868K · loan HK$7.82M · min. income ≈ HK$83,584/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,503 · 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).