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$19,791
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,407
−HK$625/mo
Today · 4.125%
HK$21,032
baseline
▲ 0.50% · 4.625%
HK$22,312
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,064/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,018
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,608
−HK$599/mo
Today · 4.125%
HK$23,207
baseline
▲ 0.50% · 4.625%
HK$24,430
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,414/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,749
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,488
−HK$751/mo
Today · 4.125%
HK$25,239
baseline
▲ 0.50% · 4.625%
HK$26,775
+HK$1,536/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,478/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,421
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,130
−HK$719/mo
Today · 4.125%
HK$27,849
baseline
▲ 0.50% · 4.625%
HK$29,316
+HK$1,467/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,698/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,708
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,570
−HK$875/mo
Today · 4.125%
HK$29,445
baseline
▲ 0.50% · 4.625%
HK$31,237
+HK$1,792/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$58,890/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,825
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,651
−HK$839/mo
Today · 4.125%
HK$32,490
baseline
▲ 0.50% · 4.625%
HK$34,203
+HK$1,713/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$64,980/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,624
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,732
−HK$1,126/mo
Today · 4.125%
HK$37,858
baseline
▲ 0.50% · 4.625%
HK$40,162
+HK$2,304/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,716/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,632
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,695
−HK$1,078/mo
Today · 4.125%
HK$41,773
baseline
▲ 0.50% · 4.625%
HK$43,975
+HK$2,202/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,546/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,382 · 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).