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$19,780
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,395
−HK$625/mo
Today · 4.125%
HK$21,020
baseline
▲ 0.50% · 4.625%
HK$22,299
+HK$1,279/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,040/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,005
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,595
−HK$599/mo
Today · 4.125%
HK$23,194
baseline
▲ 0.50% · 4.625%
HK$24,416
+HK$1,222/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,388/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,736
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,474
−HK$750/mo
Today · 4.125%
HK$25,224
baseline
▲ 0.50% · 4.625%
HK$26,759
+HK$1,535/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,448/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,406
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,114
−HK$719/mo
Today · 4.125%
HK$27,833
baseline
▲ 0.50% · 4.625%
HK$29,300
+HK$1,467/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,666/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,692
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,553
−HK$875/mo
Today · 4.125%
HK$29,428
baseline
▲ 0.50% · 4.625%
HK$31,219
+HK$1,791/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,856/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,807
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,633
−HK$838/mo
Today · 4.125%
HK$32,471
baseline
▲ 0.50% · 4.625%
HK$34,183
+HK$1,712/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,942/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,604
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,711
−HK$1,126/mo
Today · 4.125%
HK$37,837
baseline
▲ 0.50% · 4.625%
HK$40,139
+HK$2,302/mo
Deposit HK$867K · loan HK$7.81M · min. income ≈ HK$75,674/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,609
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,671
−HK$1,078/mo
Today · 4.125%
HK$41,749
baseline
▲ 0.50% · 4.625%
HK$43,950
+HK$2,201/mo
Deposit HK$867K · loan HK$7.81M · min. income ≈ HK$83,498/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,234 · 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).