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$19,797
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,413
−HK$625/mo
Today · 4.125%
HK$21,038
baseline
▲ 0.50% · 4.625%
HK$22,319
+HK$1,281/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,076/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,024
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,615
−HK$599/mo
Today · 4.125%
HK$23,214
baseline
▲ 0.50% · 4.625%
HK$24,437
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,428/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,756
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,495
−HK$751/mo
Today · 4.125%
HK$25,246
baseline
▲ 0.50% · 4.625%
HK$26,782
+HK$1,536/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,492/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,429
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,138
−HK$719/mo
Today · 4.125%
HK$27,857
baseline
▲ 0.50% · 4.625%
HK$29,325
+HK$1,468/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,714/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,716
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,578
−HK$876/mo
Today · 4.125%
HK$29,454
baseline
▲ 0.50% · 4.625%
HK$31,246
+HK$1,792/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$58,908/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,834
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,661
−HK$838/mo
Today · 4.125%
HK$32,499
baseline
▲ 0.50% · 4.625%
HK$34,212
+HK$1,713/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$64,998/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,635
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,743
−HK$1,126/mo
Today · 4.125%
HK$37,869
baseline
▲ 0.50% · 4.625%
HK$40,173
+HK$2,304/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,738/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,643
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,706
−HK$1,079/mo
Today · 4.125%
HK$41,785
baseline
▲ 0.50% · 4.625%
HK$43,987
+HK$2,202/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,570/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,458 · 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).