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$19,807
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,423
−HK$626/mo
Today · 4.125%
HK$21,049
baseline
▲ 0.50% · 4.625%
HK$22,330
+HK$1,281/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,098/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,035
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,626
−HK$599/mo
Today · 4.125%
HK$23,225
baseline
▲ 0.50% · 4.625%
HK$24,450
+HK$1,225/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,450/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,768
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,507
−HK$752/mo
Today · 4.125%
HK$25,259
baseline
▲ 0.50% · 4.625%
HK$26,796
+HK$1,537/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,518/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,442
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,151
−HK$719/mo
Today · 4.125%
HK$27,870
baseline
▲ 0.50% · 4.625%
HK$29,339
+HK$1,469/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,740/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,729
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,592
−HK$876/mo
Today · 4.125%
HK$29,468
baseline
▲ 0.50% · 4.625%
HK$31,261
+HK$1,793/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,936/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,849
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,676
−HK$839/mo
Today · 4.125%
HK$32,515
baseline
▲ 0.50% · 4.625%
HK$34,229
+HK$1,714/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,030/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,652
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,761
−HK$1,127/mo
Today · 4.125%
HK$37,888
baseline
▲ 0.50% · 4.625%
HK$40,193
+HK$2,305/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,776/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,663
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,726
−HK$1,080/mo
Today · 4.125%
HK$41,806
baseline
▲ 0.50% · 4.625%
HK$44,009
+HK$2,203/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,612/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,586 · 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).