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$19,781
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,396
−HK$625/mo
Today · 4.125%
HK$21,021
baseline
▲ 0.50% · 4.625%
HK$22,300
+HK$1,279/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,042/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,006
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,596
−HK$599/mo
Today · 4.125%
HK$23,195
baseline
▲ 0.50% · 4.625%
HK$24,418
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,390/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,737
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,475
−HK$751/mo
Today · 4.125%
HK$25,226
baseline
▲ 0.50% · 4.625%
HK$26,761
+HK$1,535/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,452/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,407
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,115
−HK$719/mo
Today · 4.125%
HK$27,834
baseline
▲ 0.50% · 4.625%
HK$29,301
+HK$1,467/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,668/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,693
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,555
−HK$875/mo
Today · 4.125%
HK$29,430
baseline
▲ 0.50% · 4.625%
HK$31,221
+HK$1,791/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,860/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,808
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,635
−HK$838/mo
Today · 4.125%
HK$32,473
baseline
▲ 0.50% · 4.625%
HK$34,185
+HK$1,712/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,946/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,606
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,713
−HK$1,125/mo
Today · 4.125%
HK$37,838
baseline
▲ 0.50% · 4.625%
HK$40,141
+HK$2,303/mo
Deposit HK$867K · loan HK$7.81M · min. income ≈ HK$75,676/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,611
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,673
−HK$1,078/mo
Today · 4.125%
HK$41,751
baseline
▲ 0.50% · 4.625%
HK$43,952
+HK$2,201/mo
Deposit HK$867K · loan HK$7.81M · min. income ≈ HK$83,502/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,246 · 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).