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$19,765
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,379
−HK$625/mo
Today · 4.125%
HK$21,004
baseline
▲ 0.50% · 4.625%
HK$22,282
+HK$1,278/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$42,008/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$260,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,988
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,578
−HK$598/mo
Today · 4.125%
HK$23,176
baseline
▲ 0.50% · 4.625%
HK$24,398
+HK$1,222/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,352/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$260,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,718
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,455
−HK$750/mo
Today · 4.125%
HK$25,205
baseline
▲ 0.50% · 4.625%
HK$26,739
+HK$1,534/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,410/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,386
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,093
−HK$718/mo
Today · 4.125%
HK$27,811
baseline
▲ 0.50% · 4.625%
HK$29,277
+HK$1,466/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,622/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,670
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,531
−HK$875/mo
Today · 4.125%
HK$29,406
baseline
▲ 0.50% · 4.625%
HK$31,195
+HK$1,789/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,812/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,783
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,609
−HK$837/mo
Today · 4.125%
HK$32,446
baseline
▲ 0.50% · 4.625%
HK$34,157
+HK$1,711/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,892/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,576
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,683
−HK$1,124/mo
Today · 4.125%
HK$37,807
baseline
▲ 0.50% · 4.625%
HK$40,108
+HK$2,301/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$75,614/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,578
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,640
−HK$1,077/mo
Today · 4.125%
HK$41,717
baseline
▲ 0.50% · 4.625%
HK$43,916
+HK$2,199/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$83,434/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,032 · 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).