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$19,818
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,435
−HK$626/mo
Today · 4.125%
HK$21,061
baseline
▲ 0.50% · 4.625%
HK$22,342
+HK$1,281/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,122/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,047
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,639
−HK$600/mo
Today · 4.125%
HK$23,239
baseline
▲ 0.50% · 4.625%
HK$24,464
+HK$1,225/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,478/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,782
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,521
−HK$752/mo
Today · 4.125%
HK$25,273
baseline
▲ 0.50% · 4.625%
HK$26,811
+HK$1,538/mo
Deposit HK$3.48M · loan HK$5.21M · min. income ≈ HK$50,546/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,457
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,166
−HK$720/mo
Today · 4.125%
HK$27,886
baseline
▲ 0.50% · 4.625%
HK$29,356
+HK$1,470/mo
Deposit HK$3.48M · loan HK$5.21M · min. income ≈ HK$55,772/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,745
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,608
−HK$877/mo
Today · 4.125%
HK$29,485
baseline
▲ 0.50% · 4.625%
HK$31,279
+HK$1,794/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,970/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,866
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,694
−HK$840/mo
Today · 4.125%
HK$32,534
baseline
▲ 0.50% · 4.625%
HK$34,249
+HK$1,715/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,068/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,673
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,782
−HK$1,128/mo
Today · 4.125%
HK$37,910
baseline
▲ 0.50% · 4.625%
HK$40,216
+HK$2,306/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,820/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,685
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,750
−HK$1,079/mo
Today · 4.125%
HK$41,829
baseline
▲ 0.50% · 4.625%
HK$44,034
+HK$2,205/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,658/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,735 · 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).