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$19,794
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,409
−HK$626/mo
Today · 4.125%
HK$21,035
baseline
▲ 0.50% · 4.625%
HK$22,315
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,070/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,020
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,611
−HK$599/mo
Today · 4.125%
HK$23,210
baseline
▲ 0.50% · 4.625%
HK$24,433
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,420/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,752
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,491
−HK$751/mo
Today · 4.125%
HK$25,242
baseline
▲ 0.50% · 4.625%
HK$26,778
+HK$1,536/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,484/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,424
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,133
−HK$719/mo
Today · 4.125%
HK$27,852
baseline
▲ 0.50% · 4.625%
HK$29,320
+HK$1,468/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,704/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,711
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,573
−HK$876/mo
Today · 4.125%
HK$29,449
baseline
▲ 0.50% · 4.625%
HK$31,241
+HK$1,792/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$58,898/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,828
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,655
−HK$839/mo
Today · 4.125%
HK$32,494
baseline
▲ 0.50% · 4.625%
HK$34,207
+HK$1,713/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$64,988/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,628
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,737
−HK$1,126/mo
Today · 4.125%
HK$37,863
baseline
▲ 0.50% · 4.625%
HK$40,167
+HK$2,304/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,726/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,636
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,699
−HK$1,079/mo
Today · 4.125%
HK$41,778
baseline
▲ 0.50% · 4.625%
HK$43,980
+HK$2,202/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,556/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,413 · 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).