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$19,803
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,419
−HK$626/mo
Today · 4.125%
HK$21,045
baseline
▲ 0.50% · 4.625%
HK$22,325
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,090/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,031
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,622
−HK$599/mo
Today · 4.125%
HK$23,221
baseline
▲ 0.50% · 4.625%
HK$24,445
+HK$1,224/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,442/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,764
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,503
−HK$751/mo
Today · 4.125%
HK$25,254
baseline
▲ 0.50% · 4.625%
HK$26,791
+HK$1,537/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,508/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,437
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,146
−HK$719/mo
Today · 4.125%
HK$27,865
baseline
▲ 0.50% · 4.625%
HK$29,334
+HK$1,469/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,730/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,724
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,587
−HK$876/mo
Today · 4.125%
HK$29,463
baseline
▲ 0.50% · 4.625%
HK$31,256
+HK$1,793/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,926/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,843
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,670
−HK$839/mo
Today · 4.125%
HK$32,509
baseline
▲ 0.50% · 4.625%
HK$34,223
+HK$1,714/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,018/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,646
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,754
−HK$1,127/mo
Today · 4.125%
HK$37,881
baseline
▲ 0.50% · 4.625%
HK$40,186
+HK$2,305/mo
Deposit HK$868K · loan HK$7.82M · min. income ≈ HK$75,762/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,655
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,719
−HK$1,079/mo
Today · 4.125%
HK$41,798
baseline
▲ 0.50% · 4.625%
HK$44,001
+HK$2,203/mo
Deposit HK$868K · loan HK$7.82M · min. income ≈ HK$83,596/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,538 · 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).