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$19,789
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,405
−HK$625/mo
Today · 4.125%
HK$21,030
baseline
▲ 0.50% · 4.625%
HK$22,310
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,060/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,015
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,606
−HK$599/mo
Today · 4.125%
HK$23,205
baseline
▲ 0.50% · 4.625%
HK$24,428
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,410/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,747
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,486
−HK$750/mo
Today · 4.125%
HK$25,236
baseline
▲ 0.50% · 4.625%
HK$26,772
+HK$1,536/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,472/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,419
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,127
−HK$719/mo
Today · 4.125%
HK$27,846
baseline
▲ 0.50% · 4.625%
HK$29,314
+HK$1,468/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,692/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,705
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,567
−HK$875/mo
Today · 4.125%
HK$29,442
baseline
▲ 0.50% · 4.625%
HK$31,234
+HK$1,792/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$58,884/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,822
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,648
−HK$839/mo
Today · 4.125%
HK$32,487
baseline
▲ 0.50% · 4.625%
HK$34,199
+HK$1,712/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$64,974/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,621
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,729
−HK$1,126/mo
Today · 4.125%
HK$37,855
baseline
▲ 0.50% · 4.625%
HK$40,158
+HK$2,303/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,710/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,628
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,691
−HK$1,078/mo
Today · 4.125%
HK$41,769
baseline
▲ 0.50% · 4.625%
HK$43,971
+HK$2,202/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,538/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,358 · 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).