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$19,870
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,488
−HK$628/mo
Today · 4.125%
HK$21,116
baseline
▲ 0.50% · 4.625%
HK$22,401
+HK$1,285/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,232/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,105
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,698
−HK$601/mo
Today · 4.125%
HK$23,299
baseline
▲ 0.50% · 4.625%
HK$24,528
+HK$1,229/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,598/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,844
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,586
−HK$753/mo
Today · 4.125%
HK$25,339
baseline
▲ 0.50% · 4.625%
HK$26,881
+HK$1,542/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,678/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,526
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,238
−HK$721/mo
Today · 4.125%
HK$27,959
baseline
▲ 0.50% · 4.625%
HK$29,433
+HK$1,474/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,918/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,818
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,683
−HK$879/mo
Today · 4.125%
HK$29,562
baseline
▲ 0.50% · 4.625%
HK$31,361
+HK$1,799/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,124/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,947
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,777
−HK$842/mo
Today · 4.125%
HK$32,619
baseline
▲ 0.50% · 4.625%
HK$34,339
+HK$1,720/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,238/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,766
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,879
−HK$1,130/mo
Today · 4.125%
HK$38,009
baseline
▲ 0.50% · 4.625%
HK$40,322
+HK$2,313/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$76,018/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,789
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,856
−HK$1,083/mo
Today · 4.125%
HK$41,939
baseline
▲ 0.50% · 4.625%
HK$44,150
+HK$2,211/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,878/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,419 · 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).