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$19,796
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,412
−HK$626/mo
Today · 4.125%
HK$21,038
baseline
▲ 0.50% · 4.625%
HK$22,318
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,076/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,023
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,614
−HK$599/mo
Today · 4.125%
HK$23,213
baseline
▲ 0.50% · 4.625%
HK$24,437
+HK$1,224/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,426/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,756
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,494
−HK$751/mo
Today · 4.125%
HK$25,245
baseline
▲ 0.50% · 4.625%
HK$26,781
+HK$1,536/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,490/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,428
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,137
−HK$719/mo
Today · 4.125%
HK$27,856
baseline
▲ 0.50% · 4.625%
HK$29,324
+HK$1,468/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,712/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,715
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,577
−HK$876/mo
Today · 4.125%
HK$29,453
baseline
▲ 0.50% · 4.625%
HK$31,245
+HK$1,792/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$58,906/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,832
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,659
−HK$839/mo
Today · 4.125%
HK$32,498
baseline
▲ 0.50% · 4.625%
HK$34,211
+HK$1,713/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$64,996/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,633
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,742
−HK$1,126/mo
Today · 4.125%
HK$37,868
baseline
▲ 0.50% · 4.625%
HK$40,172
+HK$2,304/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,736/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,642
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,705
−HK$1,078/mo
Today · 4.125%
HK$41,783
baseline
▲ 0.50% · 4.625%
HK$43,986
+HK$2,203/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,566/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,448 · 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).