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$19,766
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,381
−HK$625/mo
Today · 4.125%
HK$21,006
baseline
▲ 0.50% · 4.625%
HK$22,284
+HK$1,278/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$42,012/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$260,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,990
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,579
−HK$599/mo
Today · 4.125%
HK$23,178
baseline
▲ 0.50% · 4.625%
HK$24,399
+HK$1,221/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,356/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$260,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,719
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,457
−HK$750/mo
Today · 4.125%
HK$25,207
baseline
▲ 0.50% · 4.625%
HK$26,741
+HK$1,534/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,414/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,388
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,095
−HK$718/mo
Today · 4.125%
HK$27,813
baseline
▲ 0.50% · 4.625%
HK$29,279
+HK$1,466/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,626/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,673
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,533
−HK$875/mo
Today · 4.125%
HK$29,408
baseline
▲ 0.50% · 4.625%
HK$31,197
+HK$1,789/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,816/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,785
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,611
−HK$838/mo
Today · 4.125%
HK$32,449
baseline
▲ 0.50% · 4.625%
HK$34,159
+HK$1,710/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,898/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,579
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,686
−HK$1,124/mo
Today · 4.125%
HK$37,810
baseline
▲ 0.50% · 4.625%
HK$40,111
+HK$2,301/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$75,620/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,581
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,643
−HK$1,077/mo
Today · 4.125%
HK$41,720
baseline
▲ 0.50% · 4.625%
HK$43,919
+HK$2,199/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$83,440/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,052 · 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).