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$19,788
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,403
−HK$625/mo
Today · 4.125%
HK$21,028
baseline
▲ 0.50% · 4.625%
HK$22,308
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,056/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,013
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,604
−HK$599/mo
Today · 4.125%
HK$23,203
baseline
▲ 0.50% · 4.625%
HK$24,426
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,406/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,745
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,484
−HK$750/mo
Today · 4.125%
HK$25,234
baseline
▲ 0.50% · 4.625%
HK$26,770
+HK$1,536/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,468/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,416
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,125
−HK$718/mo
Today · 4.125%
HK$27,843
baseline
▲ 0.50% · 4.625%
HK$29,311
+HK$1,468/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,686/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,703
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,564
−HK$876/mo
Today · 4.125%
HK$29,440
baseline
▲ 0.50% · 4.625%
HK$31,231
+HK$1,791/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,880/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,819
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,645
−HK$839/mo
Today · 4.125%
HK$32,484
baseline
▲ 0.50% · 4.625%
HK$34,196
+HK$1,712/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,968/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,618
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,726
−HK$1,125/mo
Today · 4.125%
HK$37,851
baseline
▲ 0.50% · 4.625%
HK$40,154
+HK$2,303/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,702/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,624
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,687
−HK$1,078/mo
Today · 4.125%
HK$41,765
baseline
▲ 0.50% · 4.625%
HK$43,967
+HK$2,202/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,530/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,334 · 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).