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$19,813
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,430
−HK$626/mo
Today · 4.125%
HK$21,056
baseline
▲ 0.50% · 4.625%
HK$22,337
+HK$1,281/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,112/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,042
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,633
−HK$600/mo
Today · 4.125%
HK$23,233
baseline
▲ 0.50% · 4.625%
HK$24,458
+HK$1,225/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,466/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,776
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,516
−HK$751/mo
Today · 4.125%
HK$25,267
baseline
▲ 0.50% · 4.625%
HK$26,804
+HK$1,537/mo
Deposit HK$3.48M · loan HK$5.21M · min. income ≈ HK$50,534/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,451
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,160
−HK$720/mo
Today · 4.125%
HK$27,880
baseline
▲ 0.50% · 4.625%
HK$29,349
+HK$1,469/mo
Deposit HK$3.48M · loan HK$5.21M · min. income ≈ HK$55,760/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,739
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,601
−HK$877/mo
Today · 4.125%
HK$29,478
baseline
▲ 0.50% · 4.625%
HK$31,272
+HK$1,794/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,956/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,859
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,687
−HK$839/mo
Today · 4.125%
HK$32,526
baseline
▲ 0.50% · 4.625%
HK$34,241
+HK$1,715/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,052/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,664
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,773
−HK$1,127/mo
Today · 4.125%
HK$37,900
baseline
▲ 0.50% · 4.625%
HK$40,207
+HK$2,307/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,800/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,676
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,740
−HK$1,079/mo
Today · 4.125%
HK$41,819
baseline
▲ 0.50% · 4.625%
HK$44,024
+HK$2,205/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,638/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,673 · 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).