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$19,884
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,502
−HK$628/mo
Today · 4.125%
HK$21,130
baseline
▲ 0.50% · 4.625%
HK$22,416
+HK$1,286/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,260/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,120
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,714
−HK$601/mo
Today · 4.125%
HK$23,315
baseline
▲ 0.50% · 4.625%
HK$24,544
+HK$1,229/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,630/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,860
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,602
−HK$755/mo
Today · 4.125%
HK$25,357
baseline
▲ 0.50% · 4.625%
HK$26,899
+HK$1,542/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,714/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,544
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,256
−HK$722/mo
Today · 4.125%
HK$27,978
baseline
▲ 0.50% · 4.625%
HK$29,453
+HK$1,475/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,956/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,837
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,703
−HK$880/mo
Today · 4.125%
HK$29,583
baseline
▲ 0.50% · 4.625%
HK$31,383
+HK$1,800/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$59,166/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,968
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,799
−HK$843/mo
Today · 4.125%
HK$32,642
baseline
▲ 0.50% · 4.625%
HK$34,362
+HK$1,720/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$65,284/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,790
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,904
−HK$1,131/mo
Today · 4.125%
HK$38,035
baseline
▲ 0.50% · 4.625%
HK$40,349
+HK$2,314/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$76,070/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,817
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,884
−HK$1,084/mo
Today · 4.125%
HK$41,968
baseline
▲ 0.50% · 4.625%
HK$44,180
+HK$2,212/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$83,936/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,597 · 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).