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$19,809
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,425
−HK$626/mo
Today · 4.125%
HK$21,051
baseline
▲ 0.50% · 4.625%
HK$22,332
+HK$1,281/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,102/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,037
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,628
−HK$599/mo
Today · 4.125%
HK$23,227
baseline
▲ 0.50% · 4.625%
HK$24,452
+HK$1,225/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,454/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,770
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,510
−HK$751/mo
Today · 4.125%
HK$25,261
baseline
▲ 0.50% · 4.625%
HK$26,798
+HK$1,537/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,522/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,444
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,153
−HK$720/mo
Today · 4.125%
HK$27,873
baseline
▲ 0.50% · 4.625%
HK$29,342
+HK$1,469/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,746/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,732
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,595
−HK$876/mo
Today · 4.125%
HK$29,471
baseline
▲ 0.50% · 4.625%
HK$31,264
+HK$1,793/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,942/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,851
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,679
−HK$839/mo
Today · 4.125%
HK$32,518
baseline
▲ 0.50% · 4.625%
HK$34,232
+HK$1,714/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,036/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,655
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,764
−HK$1,127/mo
Today · 4.125%
HK$37,891
baseline
▲ 0.50% · 4.625%
HK$40,197
+HK$2,306/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,782/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,666
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,730
−HK$1,079/mo
Today · 4.125%
HK$41,809
baseline
▲ 0.50% · 4.625%
HK$44,013
+HK$2,204/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,618/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,610 · 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).