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$19,778
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,394
−HK$625/mo
Today · 4.125%
HK$21,019
baseline
▲ 0.50% · 4.625%
HK$22,298
+HK$1,279/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,038/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,003
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,593
−HK$599/mo
Today · 4.125%
HK$23,192
baseline
▲ 0.50% · 4.625%
HK$24,415
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,384/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,734
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,472
−HK$750/mo
Today · 4.125%
HK$25,222
baseline
▲ 0.50% · 4.625%
HK$26,757
+HK$1,535/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,444/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,404
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,112
−HK$719/mo
Today · 4.125%
HK$27,831
baseline
▲ 0.50% · 4.625%
HK$29,297
+HK$1,466/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,662/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,690
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,551
−HK$875/mo
Today · 4.125%
HK$29,426
baseline
▲ 0.50% · 4.625%
HK$31,217
+HK$1,791/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,852/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,805
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,631
−HK$838/mo
Today · 4.125%
HK$32,469
baseline
▲ 0.50% · 4.625%
HK$34,180
+HK$1,711/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,938/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,601
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,709
−HK$1,125/mo
Today · 4.125%
HK$37,834
baseline
▲ 0.50% · 4.625%
HK$40,136
+HK$2,302/mo
Deposit HK$867K · loan HK$7.81M · min. income ≈ HK$75,668/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,606
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,668
−HK$1,078/mo
Today · 4.125%
HK$41,746
baseline
▲ 0.50% · 4.625%
HK$43,946
+HK$2,200/mo
Deposit HK$867K · loan HK$7.81M · min. income ≈ HK$83,492/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,214 · 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).