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$19,824
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,441
−HK$626/mo
Today · 4.125%
HK$21,067
baseline
▲ 0.50% · 4.625%
HK$22,349
+HK$1,282/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,134/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,054
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,645
−HK$600/mo
Today · 4.125%
HK$23,245
baseline
▲ 0.50% · 4.625%
HK$24,471
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,490/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,789
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,529
−HK$751/mo
Today · 4.125%
HK$25,280
baseline
▲ 0.50% · 4.625%
HK$26,819
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,560/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,465
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,174
−HK$720/mo
Today · 4.125%
HK$27,894
baseline
▲ 0.50% · 4.625%
HK$29,365
+HK$1,471/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,788/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,753
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,617
−HK$877/mo
Today · 4.125%
HK$29,494
baseline
▲ 0.50% · 4.625%
HK$31,288
+HK$1,794/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$58,988/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,875
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,703
−HK$841/mo
Today · 4.125%
HK$32,544
baseline
▲ 0.50% · 4.625%
HK$34,259
+HK$1,715/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,088/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,683
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,793
−HK$1,128/mo
Today · 4.125%
HK$37,921
baseline
▲ 0.50% · 4.625%
HK$40,228
+HK$2,307/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,842/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,697
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,762
−HK$1,080/mo
Today · 4.125%
HK$41,842
baseline
▲ 0.50% · 4.625%
HK$44,047
+HK$2,205/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,684/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,812 · 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).