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$19,783
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,398
−HK$626/mo
Today · 4.125%
HK$21,024
baseline
▲ 0.50% · 4.625%
HK$22,303
+HK$1,279/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,048/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,008
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,599
−HK$599/mo
Today · 4.125%
HK$23,198
baseline
▲ 0.50% · 4.625%
HK$24,420
+HK$1,222/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,396/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,740
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,478
−HK$750/mo
Today · 4.125%
HK$25,228
baseline
▲ 0.50% · 4.625%
HK$26,763
+HK$1,535/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,456/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,410
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,119
−HK$718/mo
Today · 4.125%
HK$27,837
baseline
▲ 0.50% · 4.625%
HK$29,304
+HK$1,467/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,674/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,696
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,558
−HK$875/mo
Today · 4.125%
HK$29,433
baseline
▲ 0.50% · 4.625%
HK$31,224
+HK$1,791/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,866/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,812
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,638
−HK$839/mo
Today · 4.125%
HK$32,477
baseline
▲ 0.50% · 4.625%
HK$34,188
+HK$1,711/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,954/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,610
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,717
−HK$1,126/mo
Today · 4.125%
HK$37,843
baseline
▲ 0.50% · 4.625%
HK$40,145
+HK$2,302/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,686/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,615
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,678
−HK$1,078/mo
Today · 4.125%
HK$41,756
baseline
▲ 0.50% · 4.625%
HK$43,957
+HK$2,201/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,512/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,275 · 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).