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$19,815
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,431
−HK$626/mo
Today · 4.125%
HK$21,057
baseline
▲ 0.50% · 4.625%
HK$22,338
+HK$1,281/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,114/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,044
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,635
−HK$599/mo
Today · 4.125%
HK$23,234
baseline
▲ 0.50% · 4.625%
HK$24,459
+HK$1,225/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,468/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,778
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,517
−HK$752/mo
Today · 4.125%
HK$25,269
baseline
▲ 0.50% · 4.625%
HK$26,806
+HK$1,537/mo
Deposit HK$3.48M · loan HK$5.21M · min. income ≈ HK$50,538/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,452
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,162
−HK$719/mo
Today · 4.125%
HK$27,881
baseline
▲ 0.50% · 4.625%
HK$29,351
+HK$1,470/mo
Deposit HK$3.48M · loan HK$5.21M · min. income ≈ HK$55,762/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,740
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,603
−HK$877/mo
Today · 4.125%
HK$29,480
baseline
▲ 0.50% · 4.625%
HK$31,274
+HK$1,794/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,960/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,861
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,689
−HK$839/mo
Today · 4.125%
HK$32,528
baseline
▲ 0.50% · 4.625%
HK$34,243
+HK$1,715/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,056/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,666
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,776
−HK$1,127/mo
Today · 4.125%
HK$37,903
baseline
▲ 0.50% · 4.625%
HK$40,209
+HK$2,306/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,806/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,678
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,743
−HK$1,079/mo
Today · 4.125%
HK$41,822
baseline
▲ 0.50% · 4.625%
HK$44,027
+HK$2,205/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,644/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,689 · 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).