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$19,802
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,418
−HK$625/mo
Today · 4.125%
HK$21,043
baseline
▲ 0.50% · 4.625%
HK$22,324
+HK$1,281/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,086/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,029
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,620
−HK$599/mo
Today · 4.125%
HK$23,219
baseline
▲ 0.50% · 4.625%
HK$24,443
+HK$1,224/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,438/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,762
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,501
−HK$751/mo
Today · 4.125%
HK$25,252
baseline
▲ 0.50% · 4.625%
HK$26,789
+HK$1,537/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,504/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,435
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,144
−HK$719/mo
Today · 4.125%
HK$27,863
baseline
▲ 0.50% · 4.625%
HK$29,332
+HK$1,469/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,726/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,722
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,585
−HK$876/mo
Today · 4.125%
HK$29,461
baseline
▲ 0.50% · 4.625%
HK$31,253
+HK$1,792/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,922/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,841
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,668
−HK$839/mo
Today · 4.125%
HK$32,507
baseline
▲ 0.50% · 4.625%
HK$34,221
+HK$1,714/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,014/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,643
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,752
−HK$1,126/mo
Today · 4.125%
HK$37,878
baseline
▲ 0.50% · 4.625%
HK$40,183
+HK$2,305/mo
Deposit HK$868K · loan HK$7.82M · min. income ≈ HK$75,756/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,653
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,716
−HK$1,079/mo
Today · 4.125%
HK$41,795
baseline
▲ 0.50% · 4.625%
HK$43,998
+HK$2,203/mo
Deposit HK$868K · loan HK$7.82M · min. income ≈ HK$83,590/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,520 · 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).