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$19,805
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,421
−HK$626/mo
Today · 4.125%
HK$21,047
baseline
▲ 0.50% · 4.625%
HK$22,327
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,094/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,033
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,623
−HK$600/mo
Today · 4.125%
HK$23,223
baseline
▲ 0.50% · 4.625%
HK$24,447
+HK$1,224/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,446/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,766
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,505
−HK$751/mo
Today · 4.125%
HK$25,256
baseline
▲ 0.50% · 4.625%
HK$26,793
+HK$1,537/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,512/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,439
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,148
−HK$719/mo
Today · 4.125%
HK$27,867
baseline
▲ 0.50% · 4.625%
HK$29,336
+HK$1,469/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,734/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,727
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,589
−HK$876/mo
Today · 4.125%
HK$29,465
baseline
▲ 0.50% · 4.625%
HK$31,258
+HK$1,793/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,930/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,846
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,673
−HK$839/mo
Today · 4.125%
HK$32,512
baseline
▲ 0.50% · 4.625%
HK$34,226
+HK$1,714/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,024/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,648
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,757
−HK$1,127/mo
Today · 4.125%
HK$37,884
baseline
▲ 0.50% · 4.625%
HK$40,189
+HK$2,305/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,768/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,659
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,722
−HK$1,079/mo
Today · 4.125%
HK$41,801
baseline
▲ 0.50% · 4.625%
HK$44,005
+HK$2,204/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,602/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,559 · 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).