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$19,790
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,406
−HK$625/mo
Today · 4.125%
HK$21,031
baseline
▲ 0.50% · 4.625%
HK$22,311
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,062/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,372 · 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$24,429
+HK$1,223/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$260,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,749
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,487
−HK$751/mo
Today · 4.125%
HK$25,238
baseline
▲ 0.50% · 4.625%
HK$26,773
+HK$1,535/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$260,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,420
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,129
−HK$718/mo
Today · 4.125%
HK$27,847
baseline
▲ 0.50% · 4.625%
HK$29,315
+HK$1,468/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,694/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,707
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,568
−HK$876/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$260,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,823
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,650
−HK$839/mo
Today · 4.125%
HK$32,489
baseline
▲ 0.50% · 4.625%
HK$34,201
+HK$1,712/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$260,372 · 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$40,160
+HK$2,303/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$260,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,630
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,693
−HK$1,078/mo
Today · 4.125%
HK$41,771
baseline
▲ 0.50% · 4.625%
HK$43,973
+HK$2,202/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,542/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,372 · 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).