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$19,901
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,520
−HK$629/mo
Today · 4.125%
HK$21,149
baseline
▲ 0.50% · 4.625%
HK$22,436
+HK$1,287/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,298/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,140
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,734
−HK$602/mo
Today · 4.125%
HK$23,336
baseline
▲ 0.50% · 4.625%
HK$24,566
+HK$1,230/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,672/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,882
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,625
−HK$754/mo
Today · 4.125%
HK$25,379
baseline
▲ 0.50% · 4.625%
HK$26,924
+HK$1,545/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,758/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,568
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,281
−HK$723/mo
Today · 4.125%
HK$28,004
baseline
▲ 0.50% · 4.625%
HK$29,480
+HK$1,476/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,008/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,862
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,729
−HK$880/mo
Today · 4.125%
HK$29,609
baseline
▲ 0.50% · 4.625%
HK$31,411
+HK$1,802/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,218/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,996
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,827
−HK$844/mo
Today · 4.125%
HK$32,671
baseline
▲ 0.50% · 4.625%
HK$34,393
+HK$1,722/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,342/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,823
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,937
−HK$1,132/mo
Today · 4.125%
HK$38,069
baseline
▲ 0.50% · 4.625%
HK$40,385
+HK$2,316/mo
Deposit HK$873K · loan HK$7.85M · min. income ≈ HK$76,138/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,852
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,921
−HK$1,084/mo
Today · 4.125%
HK$42,005
baseline
▲ 0.50% · 4.625%
HK$44,219
+HK$2,214/mo
Deposit HK$873K · loan HK$7.85M · min. income ≈ HK$84,010/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,831 · 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).