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$19,824
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,441
−HK$627/mo
Today · 4.125%
HK$21,068
baseline
▲ 0.50% · 4.625%
HK$22,349
+HK$1,281/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,136/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,054
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,646
−HK$600/mo
Today · 4.125%
HK$23,246
baseline
▲ 0.50% · 4.625%
HK$24,471
+HK$1,225/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,492/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,789
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,529
−HK$752/mo
Today · 4.125%
HK$25,281
baseline
▲ 0.50% · 4.625%
HK$26,819
+HK$1,538/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,562/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,465
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,175
−HK$720/mo
Today · 4.125%
HK$27,895
baseline
▲ 0.50% · 4.625%
HK$29,366
+HK$1,471/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,790/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,754
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,617
−HK$878/mo
Today · 4.125%
HK$29,495
baseline
▲ 0.50% · 4.625%
HK$31,289
+HK$1,794/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$58,990/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,876
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,704
−HK$840/mo
Today · 4.125%
HK$32,544
baseline
▲ 0.50% · 4.625%
HK$34,260
+HK$1,716/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,088/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,684
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,794
−HK$1,128/mo
Today · 4.125%
HK$37,922
baseline
▲ 0.50% · 4.625%
HK$40,229
+HK$2,307/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,844/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,698
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,763
−HK$1,080/mo
Today · 4.125%
HK$41,843
baseline
▲ 0.50% · 4.625%
HK$44,048
+HK$2,205/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,686/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,818 · 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).