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$19,826
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,442
−HK$627/mo
Today · 4.125%
HK$21,069
baseline
▲ 0.50% · 4.625%
HK$22,351
+HK$1,282/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,138/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,056
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,647
−HK$601/mo
Today · 4.125%
HK$23,248
baseline
▲ 0.50% · 4.625%
HK$24,473
+HK$1,225/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,496/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,791
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,531
−HK$752/mo
Today · 4.125%
HK$25,283
baseline
▲ 0.50% · 4.625%
HK$26,821
+HK$1,538/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,566/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,467
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,177
−HK$720/mo
Today · 4.125%
HK$27,897
baseline
▲ 0.50% · 4.625%
HK$29,368
+HK$1,471/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,794/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,756
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,619
−HK$878/mo
Today · 4.125%
HK$29,497
baseline
▲ 0.50% · 4.625%
HK$31,291
+HK$1,794/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$58,994/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,878
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,706
−HK$841/mo
Today · 4.125%
HK$32,547
baseline
▲ 0.50% · 4.625%
HK$34,262
+HK$1,715/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,094/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,686
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,796
−HK$1,128/mo
Today · 4.125%
HK$37,924
baseline
▲ 0.50% · 4.625%
HK$40,232
+HK$2,308/mo
Deposit HK$869K · loan HK$7.83M · min. income ≈ HK$75,848/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,701
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,765
−HK$1,081/mo
Today · 4.125%
HK$41,846
baseline
▲ 0.50% · 4.625%
HK$44,051
+HK$2,205/mo
Deposit HK$869K · loan HK$7.83M · min. income ≈ HK$83,692/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,836 · 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).