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$19,808
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,424
−HK$626/mo
Today · 4.125%
HK$21,050
baseline
▲ 0.50% · 4.625%
HK$22,331
+HK$1,281/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,100/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,036
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,627
−HK$599/mo
Today · 4.125%
HK$23,226
baseline
▲ 0.50% · 4.625%
HK$24,451
+HK$1,225/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,452/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,769
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,509
−HK$751/mo
Today · 4.125%
HK$25,260
baseline
▲ 0.50% · 4.625%
HK$26,797
+HK$1,537/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,520/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,443
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,152
−HK$720/mo
Today · 4.125%
HK$27,872
baseline
▲ 0.50% · 4.625%
HK$29,341
+HK$1,469/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,744/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,731
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,593
−HK$877/mo
Today · 4.125%
HK$29,470
baseline
▲ 0.50% · 4.625%
HK$31,263
+HK$1,793/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,940/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,850
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,678
−HK$839/mo
Today · 4.125%
HK$32,517
baseline
▲ 0.50% · 4.625%
HK$34,231
+HK$1,714/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,034/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,654
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,763
−HK$1,127/mo
Today · 4.125%
HK$37,890
baseline
▲ 0.50% · 4.625%
HK$40,195
+HK$2,305/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,780/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,664
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,728
−HK$1,079/mo
Today · 4.125%
HK$41,807
baseline
▲ 0.50% · 4.625%
HK$44,011
+HK$2,204/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,614/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,598 · 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).