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$19,791
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,406
−HK$626/mo
Today · 4.125%
HK$21,032
baseline
▲ 0.50% · 4.625%
HK$22,311
+HK$1,279/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,064/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,017
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,607
−HK$599/mo
Today · 4.125%
HK$23,206
baseline
▲ 0.50% · 4.625%
HK$24,430
+HK$1,224/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,412/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,749
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,488
−HK$750/mo
Today · 4.125%
HK$25,238
baseline
▲ 0.50% · 4.625%
HK$26,774
+HK$1,536/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,476/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,420
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,129
−HK$719/mo
Today · 4.125%
HK$27,848
baseline
▲ 0.50% · 4.625%
HK$29,316
+HK$1,468/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,696/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,707
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,569
−HK$875/mo
Today · 4.125%
HK$29,444
baseline
▲ 0.50% · 4.625%
HK$31,236
+HK$1,792/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$58,888/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,824
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,650
−HK$839/mo
Today · 4.125%
HK$32,489
baseline
▲ 0.50% · 4.625%
HK$34,202
+HK$1,713/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$64,978/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,623
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,731
−HK$1,126/mo
Today · 4.125%
HK$37,857
baseline
▲ 0.50% · 4.625%
HK$40,161
+HK$2,304/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,714/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,630
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,693
−HK$1,079/mo
Today · 4.125%
HK$41,772
baseline
▲ 0.50% · 4.625%
HK$43,973
+HK$2,201/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,544/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,374 · 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).