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$19,770
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,385
−HK$625/mo
Today · 4.125%
HK$21,010
baseline
▲ 0.50% · 4.625%
HK$22,288
+HK$1,278/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,020/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,994
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,584
−HK$598/mo
Today · 4.125%
HK$23,182
baseline
▲ 0.50% · 4.625%
HK$24,404
+HK$1,222/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,364/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,724
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,462
−HK$750/mo
Today · 4.125%
HK$25,212
baseline
▲ 0.50% · 4.625%
HK$26,746
+HK$1,534/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,424/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,393
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,101
−HK$718/mo
Today · 4.125%
HK$27,819
baseline
▲ 0.50% · 4.625%
HK$29,285
+HK$1,466/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,638/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,678
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,539
−HK$875/mo
Today · 4.125%
HK$29,414
baseline
▲ 0.50% · 4.625%
HK$31,204
+HK$1,790/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,828/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,792
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,617
−HK$838/mo
Today · 4.125%
HK$32,455
baseline
▲ 0.50% · 4.625%
HK$34,166
+HK$1,711/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,910/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,586
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,693
−HK$1,125/mo
Today · 4.125%
HK$37,818
baseline
▲ 0.50% · 4.625%
HK$40,119
+HK$2,301/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$75,636/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,589
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,651
−HK$1,077/mo
Today · 4.125%
HK$41,728
baseline
▲ 0.50% · 4.625%
HK$43,928
+HK$2,200/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$83,456/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,104 · 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).