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$19,789
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,404
−HK$625/mo
Today · 4.125%
HK$21,029
baseline
▲ 0.50% · 4.625%
HK$22,309
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,058/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,015
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,605
−HK$599/mo
Today · 4.125%
HK$23,204
baseline
▲ 0.50% · 4.625%
HK$24,427
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,408/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,746
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,485
−HK$750/mo
Today · 4.125%
HK$25,235
baseline
▲ 0.50% · 4.625%
HK$26,771
+HK$1,536/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,470/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,417
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,126
−HK$719/mo
Today · 4.125%
HK$27,845
baseline
▲ 0.50% · 4.625%
HK$29,312
+HK$1,467/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,690/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,704
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,566
−HK$875/mo
Today · 4.125%
HK$29,441
baseline
▲ 0.50% · 4.625%
HK$31,233
+HK$1,792/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,882/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,820
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,647
−HK$838/mo
Today · 4.125%
HK$32,485
baseline
▲ 0.50% · 4.625%
HK$34,198
+HK$1,713/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,970/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,619
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,727
−HK$1,126/mo
Today · 4.125%
HK$37,853
baseline
▲ 0.50% · 4.625%
HK$40,156
+HK$2,303/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,706/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,626
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,689
−HK$1,078/mo
Today · 4.125%
HK$41,767
baseline
▲ 0.50% · 4.625%
HK$43,969
+HK$2,202/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,534/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,347 · 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).