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$19,799
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,415
−HK$626/mo
Today · 4.125%
HK$21,041
baseline
▲ 0.50% · 4.625%
HK$22,321
+HK$1,280/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$260,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,026
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,617
−HK$599/mo
Today · 4.125%
HK$23,216
baseline
▲ 0.50% · 4.625%
HK$24,440
+HK$1,224/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,432/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,759
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,498
−HK$751/mo
Today · 4.125%
HK$25,249
baseline
▲ 0.50% · 4.625%
HK$26,785
+HK$1,536/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,498/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,431
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,140
−HK$719/mo
Today · 4.125%
HK$27,859
baseline
▲ 0.50% · 4.625%
HK$29,328
+HK$1,469/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,718/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,719
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,581
−HK$876/mo
Today · 4.125%
HK$29,457
baseline
▲ 0.50% · 4.625%
HK$31,249
+HK$1,792/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$58,914/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,837
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,664
−HK$839/mo
Today · 4.125%
HK$32,503
baseline
▲ 0.50% · 4.625%
HK$34,216
+HK$1,713/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$65,006/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,638
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,747
−HK$1,126/mo
Today · 4.125%
HK$37,873
baseline
▲ 0.50% · 4.625%
HK$40,178
+HK$2,305/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,746/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,647
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,710
−HK$1,079/mo
Today · 4.125%
HK$41,789
baseline
▲ 0.50% · 4.625%
HK$43,992
+HK$2,203/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,578/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,485 · 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).