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$19,781
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,397
−HK$625/mo
Today · 4.125%
HK$21,022
baseline
▲ 0.50% · 4.625%
HK$22,301
+HK$1,279/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,044/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,007
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,597
−HK$598/mo
Today · 4.125%
HK$23,195
baseline
▲ 0.50% · 4.625%
HK$24,418
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,390/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,738
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,476
−HK$750/mo
Today · 4.125%
HK$25,226
baseline
▲ 0.50% · 4.625%
HK$26,761
+HK$1,535/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,452/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,408
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,116
−HK$719/mo
Today · 4.125%
HK$27,835
baseline
▲ 0.50% · 4.625%
HK$29,302
+HK$1,467/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,670/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,694
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,555
−HK$876/mo
Today · 4.125%
HK$29,431
baseline
▲ 0.50% · 4.625%
HK$31,221
+HK$1,790/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,862/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,809
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,635
−HK$839/mo
Today · 4.125%
HK$32,474
baseline
▲ 0.50% · 4.625%
HK$34,185
+HK$1,711/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,948/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,606
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,714
−HK$1,125/mo
Today · 4.125%
HK$37,839
baseline
▲ 0.50% · 4.625%
HK$40,142
+HK$2,303/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,678/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,612
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,674
−HK$1,078/mo
Today · 4.125%
HK$41,752
baseline
▲ 0.50% · 4.625%
HK$43,953
+HK$2,201/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,504/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,252 · 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).