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$19,821
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,437
−HK$626/mo
Today · 4.125%
HK$21,063
baseline
▲ 0.50% · 4.625%
HK$22,345
+HK$1,282/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,126/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,050
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,642
−HK$599/mo
Today · 4.125%
HK$23,241
baseline
▲ 0.50% · 4.625%
HK$24,467
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,482/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,785
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,525
−HK$751/mo
Today · 4.125%
HK$25,276
baseline
▲ 0.50% · 4.625%
HK$26,814
+HK$1,538/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,552/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,460
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,170
−HK$720/mo
Today · 4.125%
HK$27,890
baseline
▲ 0.50% · 4.625%
HK$29,360
+HK$1,470/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,780/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,749
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,612
−HK$877/mo
Today · 4.125%
HK$29,489
baseline
▲ 0.50% · 4.625%
HK$31,283
+HK$1,794/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,978/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,870
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,698
−HK$840/mo
Today · 4.125%
HK$32,538
baseline
▲ 0.50% · 4.625%
HK$34,253
+HK$1,715/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,076/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,677
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,787
−HK$1,127/mo
Today · 4.125%
HK$37,914
baseline
▲ 0.50% · 4.625%
HK$40,221
+HK$2,307/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,828/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,690
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,755
−HK$1,080/mo
Today · 4.125%
HK$41,835
baseline
▲ 0.50% · 4.625%
HK$44,040
+HK$2,205/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,670/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,768 · 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).