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$19,785
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,400
−HK$626/mo
Today · 4.125%
HK$21,026
baseline
▲ 0.50% · 4.625%
HK$22,305
+HK$1,279/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,052/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,010
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,601
−HK$599/mo
Today · 4.125%
HK$23,200
baseline
▲ 0.50% · 4.625%
HK$24,422
+HK$1,222/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,400/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,742
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,480
−HK$751/mo
Today · 4.125%
HK$25,231
baseline
▲ 0.50% · 4.625%
HK$26,766
+HK$1,535/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,462/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,413
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,121
−HK$719/mo
Today · 4.125%
HK$27,840
baseline
▲ 0.50% · 4.625%
HK$29,307
+HK$1,467/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,680/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,699
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,560
−HK$876/mo
Today · 4.125%
HK$29,436
baseline
▲ 0.50% · 4.625%
HK$31,227
+HK$1,791/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,872/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,815
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,641
−HK$838/mo
Today · 4.125%
HK$32,479
baseline
▲ 0.50% · 4.625%
HK$34,191
+HK$1,712/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,958/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,613
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,720
−HK$1,126/mo
Today · 4.125%
HK$37,846
baseline
▲ 0.50% · 4.625%
HK$40,149
+HK$2,303/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,692/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,619
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,681
−HK$1,078/mo
Today · 4.125%
HK$41,759
baseline
▲ 0.50% · 4.625%
HK$43,960
+HK$2,201/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,518/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,298 · 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).