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$19,811
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,428
−HK$626/mo
Today · 4.125%
HK$21,054
baseline
▲ 0.50% · 4.625%
HK$22,335
+HK$1,281/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,108/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,040
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,631
−HK$600/mo
Today · 4.125%
HK$23,231
baseline
▲ 0.50% · 4.625%
HK$24,455
+HK$1,224/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,462/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,774
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,513
−HK$752/mo
Today · 4.125%
HK$25,265
baseline
▲ 0.50% · 4.625%
HK$26,802
+HK$1,537/mo
Deposit HK$3.48M · loan HK$5.21M · min. income ≈ HK$50,530/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,448
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,157
−HK$720/mo
Today · 4.125%
HK$27,877
baseline
▲ 0.50% · 4.625%
HK$29,346
+HK$1,469/mo
Deposit HK$3.48M · loan HK$5.21M · min. income ≈ HK$55,754/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,736
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,599
−HK$876/mo
Today · 4.125%
HK$29,475
baseline
▲ 0.50% · 4.625%
HK$31,269
+HK$1,794/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,950/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,856
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,684
−HK$839/mo
Today · 4.125%
HK$32,523
baseline
▲ 0.50% · 4.625%
HK$34,237
+HK$1,714/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,046/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,661
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,770
−HK$1,127/mo
Today · 4.125%
HK$37,897
baseline
▲ 0.50% · 4.625%
HK$40,203
+HK$2,306/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,794/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,672
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,736
−HK$1,079/mo
Today · 4.125%
HK$41,815
baseline
▲ 0.50% · 4.625%
HK$44,019
+HK$2,204/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,630/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,648 · 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).