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$19,827
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,443
−HK$627/mo
Today · 4.125%
HK$21,070
baseline
▲ 0.50% · 4.625%
HK$22,352
+HK$1,282/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,140/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,057
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,648
−HK$601/mo
Today · 4.125%
HK$23,249
baseline
▲ 0.50% · 4.625%
HK$24,474
+HK$1,225/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,498/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,792
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,532
−HK$752/mo
Today · 4.125%
HK$25,284
baseline
▲ 0.50% · 4.625%
HK$26,822
+HK$1,538/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,568/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,468
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,178
−HK$720/mo
Today · 4.125%
HK$27,898
baseline
▲ 0.50% · 4.625%
HK$29,369
+HK$1,471/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,796/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,757
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,621
−HK$877/mo
Today · 4.125%
HK$29,498
baseline
▲ 0.50% · 4.625%
HK$31,293
+HK$1,795/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$58,996/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,880
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,708
−HK$840/mo
Today · 4.125%
HK$32,548
baseline
▲ 0.50% · 4.625%
HK$34,264
+HK$1,716/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,096/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,688
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,798
−HK$1,128/mo
Today · 4.125%
HK$37,926
baseline
▲ 0.50% · 4.625%
HK$40,234
+HK$2,308/mo
Deposit HK$869K · loan HK$7.83M · min. income ≈ HK$75,852/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,702
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,767
−HK$1,080/mo
Today · 4.125%
HK$41,847
baseline
▲ 0.50% · 4.625%
HK$44,053
+HK$2,206/mo
Deposit HK$869K · loan HK$7.83M · min. income ≈ HK$83,694/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,848 · 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).