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$19,773
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,388
−HK$625/mo
Today · 4.125%
HK$21,013
baseline
▲ 0.50% · 4.625%
HK$22,292
+HK$1,279/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,026/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,998
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,588
−HK$598/mo
Today · 4.125%
HK$23,186
baseline
▲ 0.50% · 4.625%
HK$24,408
+HK$1,222/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,372/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,728
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,466
−HK$750/mo
Today · 4.125%
HK$25,216
baseline
▲ 0.50% · 4.625%
HK$26,750
+HK$1,534/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,432/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,397
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,105
−HK$718/mo
Today · 4.125%
HK$27,823
baseline
▲ 0.50% · 4.625%
HK$29,290
+HK$1,467/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,646/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,683
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,544
−HK$875/mo
Today · 4.125%
HK$29,419
baseline
▲ 0.50% · 4.625%
HK$31,209
+HK$1,790/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,838/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,797
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,623
−HK$838/mo
Today · 4.125%
HK$32,461
baseline
▲ 0.50% · 4.625%
HK$34,172
+HK$1,711/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,922/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,592
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,699
−HK$1,125/mo
Today · 4.125%
HK$37,824
baseline
▲ 0.50% · 4.625%
HK$40,125
+HK$2,301/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$75,648/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,596
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,658
−HK$1,077/mo
Today · 4.125%
HK$41,735
baseline
▲ 0.50% · 4.625%
HK$43,935
+HK$2,200/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$83,470/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,147 · 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).