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$19,784
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,399
−HK$626/mo
Today · 4.125%
HK$21,025
baseline
▲ 0.50% · 4.625%
HK$22,304
+HK$1,279/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,050/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,010
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,600
−HK$599/mo
Today · 4.125%
HK$23,199
baseline
▲ 0.50% · 4.625%
HK$24,422
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,398/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,741
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,479
−HK$751/mo
Today · 4.125%
HK$25,230
baseline
▲ 0.50% · 4.625%
HK$26,765
+HK$1,535/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,460/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,411
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,120
−HK$718/mo
Today · 4.125%
HK$27,838
baseline
▲ 0.50% · 4.625%
HK$29,306
+HK$1,468/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,676/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,698
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,559
−HK$876/mo
Today · 4.125%
HK$29,435
baseline
▲ 0.50% · 4.625%
HK$31,226
+HK$1,791/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,870/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,813
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,640
−HK$838/mo
Today · 4.125%
HK$32,478
baseline
▲ 0.50% · 4.625%
HK$34,190
+HK$1,712/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,956/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,611
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,719
−HK$1,125/mo
Today · 4.125%
HK$37,844
baseline
▲ 0.50% · 4.625%
HK$40,147
+HK$2,303/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,688/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,617
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,680
−HK$1,078/mo
Today · 4.125%
HK$41,758
baseline
▲ 0.50% · 4.625%
HK$43,959
+HK$2,201/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,516/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,288 · 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).