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$19,806
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,422
−HK$626/mo
Today · 4.125%
HK$21,048
baseline
▲ 0.50% · 4.625%
HK$22,329
+HK$1,281/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,096/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,034
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,625
−HK$599/mo
Today · 4.125%
HK$23,224
baseline
▲ 0.50% · 4.625%
HK$24,448
+HK$1,224/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,448/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,767
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,506
−HK$751/mo
Today · 4.125%
HK$25,257
baseline
▲ 0.50% · 4.625%
HK$26,794
+HK$1,537/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,514/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,441
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,150
−HK$719/mo
Today · 4.125%
HK$27,869
baseline
▲ 0.50% · 4.625%
HK$29,338
+HK$1,469/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,738/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,728
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,591
−HK$876/mo
Today · 4.125%
HK$29,467
baseline
▲ 0.50% · 4.625%
HK$31,260
+HK$1,793/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,934/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,847
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,675
−HK$839/mo
Today · 4.125%
HK$32,514
baseline
▲ 0.50% · 4.625%
HK$34,228
+HK$1,714/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,028/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,651
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,759
−HK$1,127/mo
Today · 4.125%
HK$37,886
baseline
▲ 0.50% · 4.625%
HK$40,191
+HK$2,305/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,772/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,661
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,725
−HK$1,079/mo
Today · 4.125%
HK$41,804
baseline
▲ 0.50% · 4.625%
HK$44,007
+HK$2,203/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,608/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,575 · 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).