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$19,825
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,442
−HK$626/mo
Today · 4.125%
HK$21,068
baseline
▲ 0.50% · 4.625%
HK$22,350
+HK$1,282/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,136/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,055
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,646
−HK$601/mo
Today · 4.125%
HK$23,247
baseline
▲ 0.50% · 4.625%
HK$24,472
+HK$1,225/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,494/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,790
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,530
−HK$752/mo
Today · 4.125%
HK$25,282
baseline
▲ 0.50% · 4.625%
HK$26,820
+HK$1,538/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,564/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,466
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,176
−HK$720/mo
Today · 4.125%
HK$27,896
baseline
▲ 0.50% · 4.625%
HK$29,366
+HK$1,470/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,792/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,755
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,618
−HK$877/mo
Today · 4.125%
HK$29,495
baseline
▲ 0.50% · 4.625%
HK$31,290
+HK$1,795/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$58,990/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,877
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,705
−HK$840/mo
Today · 4.125%
HK$32,545
baseline
▲ 0.50% · 4.625%
HK$34,261
+HK$1,716/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,090/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,685
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,795
−HK$1,127/mo
Today · 4.125%
HK$37,922
baseline
▲ 0.50% · 4.625%
HK$40,230
+HK$2,308/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,844/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,699
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,764
−HK$1,080/mo
Today · 4.125%
HK$41,844
baseline
▲ 0.50% · 4.625%
HK$44,049
+HK$2,205/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,688/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,824 · 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).