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$19,810
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,426
−HK$626/mo
Today · 4.125%
HK$21,052
baseline
▲ 0.50% · 4.625%
HK$22,333
+HK$1,281/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,104/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,038
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,629
−HK$600/mo
Today · 4.125%
HK$23,229
baseline
▲ 0.50% · 4.625%
HK$24,453
+HK$1,224/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,458/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,772
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,511
−HK$751/mo
Today · 4.125%
HK$25,262
baseline
▲ 0.50% · 4.625%
HK$26,799
+HK$1,537/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,524/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,446
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,155
−HK$719/mo
Today · 4.125%
HK$27,874
baseline
▲ 0.50% · 4.625%
HK$29,344
+HK$1,470/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,748/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,734
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,596
−HK$877/mo
Today · 4.125%
HK$29,473
baseline
▲ 0.50% · 4.625%
HK$31,266
+HK$1,793/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,946/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,853
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,681
−HK$839/mo
Today · 4.125%
HK$32,520
baseline
▲ 0.50% · 4.625%
HK$34,234
+HK$1,714/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,040/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,657
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,767
−HK$1,126/mo
Today · 4.125%
HK$37,893
baseline
▲ 0.50% · 4.625%
HK$40,199
+HK$2,306/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,786/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,669
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,732
−HK$1,080/mo
Today · 4.125%
HK$41,812
baseline
▲ 0.50% · 4.625%
HK$44,016
+HK$2,204/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,624/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,625 · 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).