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$19,795
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,410
−HK$626/mo
Today · 4.125%
HK$21,036
baseline
▲ 0.50% · 4.625%
HK$22,316
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,072/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,021
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,612
−HK$599/mo
Today · 4.125%
HK$23,211
baseline
▲ 0.50% · 4.625%
HK$24,435
+HK$1,224/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,422/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,754
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,492
−HK$751/mo
Today · 4.125%
HK$25,243
baseline
▲ 0.50% · 4.625%
HK$26,779
+HK$1,536/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,486/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,426
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,134
−HK$719/mo
Today · 4.125%
HK$27,853
baseline
▲ 0.50% · 4.625%
HK$29,322
+HK$1,469/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,706/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,713
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,575
−HK$875/mo
Today · 4.125%
HK$29,450
baseline
▲ 0.50% · 4.625%
HK$31,242
+HK$1,792/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$58,900/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,830
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,657
−HK$839/mo
Today · 4.125%
HK$32,496
baseline
▲ 0.50% · 4.625%
HK$34,208
+HK$1,712/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$64,992/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,630
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,739
−HK$1,126/mo
Today · 4.125%
HK$37,865
baseline
▲ 0.50% · 4.625%
HK$40,169
+HK$2,304/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,730/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,638
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,702
−HK$1,078/mo
Today · 4.125%
HK$41,780
baseline
▲ 0.50% · 4.625%
HK$43,982
+HK$2,202/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,560/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,427 · 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).