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$19,785
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,401
−HK$625/mo
Today · 4.125%
HK$21,026
baseline
▲ 0.50% · 4.625%
HK$22,305
+HK$1,279/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,052/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,011
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,601
−HK$599/mo
Today · 4.125%
HK$23,200
baseline
▲ 0.50% · 4.625%
HK$24,423
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,400/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,742
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,481
−HK$750/mo
Today · 4.125%
HK$25,231
baseline
▲ 0.50% · 4.625%
HK$26,767
+HK$1,536/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,462/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,413
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,122
−HK$718/mo
Today · 4.125%
HK$27,840
baseline
▲ 0.50% · 4.625%
HK$29,308
+HK$1,468/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,680/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,700
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,561
−HK$876/mo
Today · 4.125%
HK$29,437
baseline
▲ 0.50% · 4.625%
HK$31,228
+HK$1,791/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,874/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,815
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,642
−HK$838/mo
Today · 4.125%
HK$32,480
baseline
▲ 0.50% · 4.625%
HK$34,192
+HK$1,712/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,960/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,614
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,721
−HK$1,126/mo
Today · 4.125%
HK$37,847
baseline
▲ 0.50% · 4.625%
HK$40,150
+HK$2,303/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,694/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,620
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,682
−HK$1,078/mo
Today · 4.125%
HK$41,760
baseline
▲ 0.50% · 4.625%
HK$43,962
+HK$2,202/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,520/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,305 · 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).