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$19,800
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,416
−HK$625/mo
Today · 4.125%
HK$21,041
baseline
▲ 0.50% · 4.625%
HK$22,322
+HK$1,281/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,082/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,027
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,618
−HK$599/mo
Today · 4.125%
HK$23,217
baseline
▲ 0.50% · 4.625%
HK$24,441
+HK$1,224/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,434/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,760
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,499
−HK$751/mo
Today · 4.125%
HK$25,250
baseline
▲ 0.50% · 4.625%
HK$26,786
+HK$1,536/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,500/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,432
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,141
−HK$719/mo
Today · 4.125%
HK$27,860
baseline
▲ 0.50% · 4.625%
HK$29,329
+HK$1,469/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,720/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,720
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,582
−HK$876/mo
Today · 4.125%
HK$29,458
baseline
▲ 0.50% · 4.625%
HK$31,250
+HK$1,792/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$58,916/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,838
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,665
−HK$839/mo
Today · 4.125%
HK$32,504
baseline
▲ 0.50% · 4.625%
HK$34,217
+HK$1,713/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$65,008/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,639
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,748
−HK$1,126/mo
Today · 4.125%
HK$37,874
baseline
▲ 0.50% · 4.625%
HK$40,179
+HK$2,305/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,748/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,648
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,712
−HK$1,079/mo
Today · 4.125%
HK$41,791
baseline
▲ 0.50% · 4.625%
HK$43,993
+HK$2,202/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,582/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,493 · 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).