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$19,892
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,510
−HK$629/mo
Today · 4.125%
HK$21,139
baseline
▲ 0.50% · 4.625%
HK$22,425
+HK$1,286/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,278/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,129
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,723
−HK$602/mo
Today · 4.125%
HK$23,325
baseline
▲ 0.50% · 4.625%
HK$24,554
+HK$1,229/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,650/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,870
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,613
−HK$754/mo
Today · 4.125%
HK$25,367
baseline
▲ 0.50% · 4.625%
HK$26,910
+HK$1,543/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,734/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,555
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,267
−HK$723/mo
Today · 4.125%
HK$27,990
baseline
▲ 0.50% · 4.625%
HK$29,465
+HK$1,475/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,980/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,848
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,715
−HK$880/mo
Today · 4.125%
HK$29,595
baseline
▲ 0.50% · 4.625%
HK$31,395
+HK$1,800/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,190/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,981
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,812
−HK$843/mo
Today · 4.125%
HK$32,655
baseline
▲ 0.50% · 4.625%
HK$34,376
+HK$1,721/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,310/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,805
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,919
−HK$1,131/mo
Today · 4.125%
HK$38,050
baseline
▲ 0.50% · 4.625%
HK$40,366
+HK$2,316/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$76,100/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,833
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,901
−HK$1,084/mo
Today · 4.125%
HK$41,985
baseline
▲ 0.50% · 4.625%
HK$44,198
+HK$2,213/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$83,970/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,704 · 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).