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$19,763
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,378
−HK$624/mo
Today · 4.125%
HK$21,002
baseline
▲ 0.50% · 4.625%
HK$22,280
+HK$1,278/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$42,004/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$260,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,986
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,576
−HK$598/mo
Today · 4.125%
HK$23,174
baseline
▲ 0.50% · 4.625%
HK$24,396
+HK$1,222/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,348/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$260,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,716
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,453
−HK$750/mo
Today · 4.125%
HK$25,203
baseline
▲ 0.50% · 4.625%
HK$26,737
+HK$1,534/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,406/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,384
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,091
−HK$718/mo
Today · 4.125%
HK$27,809
baseline
▲ 0.50% · 4.625%
HK$29,275
+HK$1,466/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,618/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,668
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,529
−HK$874/mo
Today · 4.125%
HK$29,403
baseline
▲ 0.50% · 4.625%
HK$31,193
+HK$1,790/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,806/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,781
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,606
−HK$838/mo
Today · 4.125%
HK$32,444
baseline
▲ 0.50% · 4.625%
HK$34,154
+HK$1,710/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,888/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,574
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,680
−HK$1,124/mo
Today · 4.125%
HK$37,804
baseline
▲ 0.50% · 4.625%
HK$40,105
+HK$2,301/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$75,608/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,575
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,637
−HK$1,077/mo
Today · 4.125%
HK$41,714
baseline
▲ 0.50% · 4.625%
HK$43,912
+HK$2,198/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$83,428/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,013 · 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).