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$19,817
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,434
−HK$626/mo
Today · 4.125%
HK$21,060
baseline
▲ 0.50% · 4.625%
HK$22,341
+HK$1,281/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,120/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,046
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,638
−HK$600/mo
Today · 4.125%
HK$23,238
baseline
▲ 0.50% · 4.625%
HK$24,462
+HK$1,224/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,476/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,781
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,520
−HK$752/mo
Today · 4.125%
HK$25,272
baseline
▲ 0.50% · 4.625%
HK$26,810
+HK$1,538/mo
Deposit HK$3.48M · loan HK$5.21M · min. income ≈ HK$50,544/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,456
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,165
−HK$720/mo
Today · 4.125%
HK$27,885
baseline
▲ 0.50% · 4.625%
HK$29,355
+HK$1,470/mo
Deposit HK$3.48M · loan HK$5.21M · min. income ≈ HK$55,770/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,744
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,607
−HK$877/mo
Today · 4.125%
HK$29,484
baseline
▲ 0.50% · 4.625%
HK$31,278
+HK$1,794/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,968/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,865
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,693
−HK$840/mo
Today · 4.125%
HK$32,533
baseline
▲ 0.50% · 4.625%
HK$34,247
+HK$1,714/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,066/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,671
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,781
−HK$1,127/mo
Today · 4.125%
HK$37,908
baseline
▲ 0.50% · 4.625%
HK$40,214
+HK$2,306/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,816/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,684
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,748
−HK$1,080/mo
Today · 4.125%
HK$41,828
baseline
▲ 0.50% · 4.625%
HK$44,032
+HK$2,204/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,656/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,724 · 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).