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$19,772
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,387
−HK$625/mo
Today · 4.125%
HK$21,012
baseline
▲ 0.50% · 4.625%
HK$22,291
+HK$1,279/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,024/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,997
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,587
−HK$598/mo
Today · 4.125%
HK$23,185
baseline
▲ 0.50% · 4.625%
HK$24,407
+HK$1,222/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,370/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,727
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,465
−HK$750/mo
Today · 4.125%
HK$25,215
baseline
▲ 0.50% · 4.625%
HK$26,749
+HK$1,534/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,430/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,396
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,104
−HK$718/mo
Today · 4.125%
HK$27,822
baseline
▲ 0.50% · 4.625%
HK$29,289
+HK$1,467/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,644/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,681
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,542
−HK$875/mo
Today · 4.125%
HK$29,417
baseline
▲ 0.50% · 4.625%
HK$31,207
+HK$1,790/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,834/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,795
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,621
−HK$838/mo
Today · 4.125%
HK$32,459
baseline
▲ 0.50% · 4.625%
HK$34,170
+HK$1,711/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,918/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,590
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,697
−HK$1,125/mo
Today · 4.125%
HK$37,822
baseline
▲ 0.50% · 4.625%
HK$40,124
+HK$2,302/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$75,644/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,594
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,656
−HK$1,077/mo
Today · 4.125%
HK$41,733
baseline
▲ 0.50% · 4.625%
HK$43,933
+HK$2,200/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$83,466/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,134 · 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).