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$19,779
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,394
−HK$625/mo
Today · 4.125%
HK$21,019
baseline
▲ 0.50% · 4.625%
HK$22,298
+HK$1,279/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,038/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,004
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,594
−HK$599/mo
Today · 4.125%
HK$23,193
baseline
▲ 0.50% · 4.625%
HK$24,415
+HK$1,222/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,386/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,735
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,473
−HK$750/mo
Today · 4.125%
HK$25,223
baseline
▲ 0.50% · 4.625%
HK$26,758
+HK$1,535/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,446/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,405
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,113
−HK$718/mo
Today · 4.125%
HK$27,831
baseline
▲ 0.50% · 4.625%
HK$29,299
+HK$1,468/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,662/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,691
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,552
−HK$875/mo
Today · 4.125%
HK$29,427
baseline
▲ 0.50% · 4.625%
HK$31,218
+HK$1,791/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,854/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,806
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,632
−HK$838/mo
Today · 4.125%
HK$32,470
baseline
▲ 0.50% · 4.625%
HK$34,182
+HK$1,712/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,940/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,602
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,710
−HK$1,125/mo
Today · 4.125%
HK$37,835
baseline
▲ 0.50% · 4.625%
HK$40,137
+HK$2,302/mo
Deposit HK$867K · loan HK$7.81M · min. income ≈ HK$75,670/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,607
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,670
−HK$1,077/mo
Today · 4.125%
HK$41,747
baseline
▲ 0.50% · 4.625%
HK$43,948
+HK$2,201/mo
Deposit HK$867K · loan HK$7.81M · min. income ≈ HK$83,494/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,223 · 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).