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$19,787
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,403
−HK$625/mo
Today · 4.125%
HK$21,028
baseline
▲ 0.50% · 4.625%
HK$22,308
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,056/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,013
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,603
−HK$599/mo
Today · 4.125%
HK$23,202
baseline
▲ 0.50% · 4.625%
HK$24,425
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,404/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,745
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,483
−HK$751/mo
Today · 4.125%
HK$25,234
baseline
▲ 0.50% · 4.625%
HK$26,769
+HK$1,535/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,468/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,416
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,124
−HK$719/mo
Today · 4.125%
HK$27,843
baseline
▲ 0.50% · 4.625%
HK$29,310
+HK$1,467/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,686/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,702
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,564
−HK$875/mo
Today · 4.125%
HK$29,439
baseline
▲ 0.50% · 4.625%
HK$31,231
+HK$1,792/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,878/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,818
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,645
−HK$838/mo
Today · 4.125%
HK$32,483
baseline
▲ 0.50% · 4.625%
HK$34,195
+HK$1,712/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,966/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,617
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,725
−HK$1,125/mo
Today · 4.125%
HK$37,850
baseline
▲ 0.50% · 4.625%
HK$40,154
+HK$2,304/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,700/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,623
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,686
−HK$1,078/mo
Today · 4.125%
HK$41,764
baseline
▲ 0.50% · 4.625%
HK$43,966
+HK$2,202/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,528/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,329 · 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).