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$19,809
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,425
−HK$626/mo
Today · 4.125%
HK$21,051
baseline
▲ 0.50% · 4.625%
HK$22,332
+HK$1,281/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,102/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,037
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,628
−HK$600/mo
Today · 4.125%
HK$23,228
baseline
▲ 0.50% · 4.625%
HK$24,452
+HK$1,224/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,456/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,771
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,510
−HK$751/mo
Today · 4.125%
HK$25,261
baseline
▲ 0.50% · 4.625%
HK$26,799
+HK$1,538/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,522/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,445
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,154
−HK$720/mo
Today · 4.125%
HK$27,874
baseline
▲ 0.50% · 4.625%
HK$29,343
+HK$1,469/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,748/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,733
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,595
−HK$877/mo
Today · 4.125%
HK$29,472
baseline
▲ 0.50% · 4.625%
HK$31,265
+HK$1,793/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,944/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,852
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,680
−HK$839/mo
Today · 4.125%
HK$32,519
baseline
▲ 0.50% · 4.625%
HK$34,233
+HK$1,714/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,038/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,656
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,765
−HK$1,127/mo
Today · 4.125%
HK$37,892
baseline
▲ 0.50% · 4.625%
HK$40,198
+HK$2,306/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,784/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,667
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,731
−HK$1,079/mo
Today · 4.125%
HK$41,810
baseline
▲ 0.50% · 4.625%
HK$44,014
+HK$2,204/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,620/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,616 · 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).