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$19,899
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,518
−HK$629/mo
Today · 4.125%
HK$21,147
baseline
▲ 0.50% · 4.625%
HK$22,434
+HK$1,287/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,294/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,138
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,732
−HK$602/mo
Today · 4.125%
HK$23,334
baseline
▲ 0.50% · 4.625%
HK$24,564
+HK$1,230/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,668/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,879
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,622
−HK$755/mo
Today · 4.125%
HK$25,377
baseline
▲ 0.50% · 4.625%
HK$26,921
+HK$1,544/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,754/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,566
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,278
−HK$723/mo
Today · 4.125%
HK$28,001
baseline
▲ 0.50% · 4.625%
HK$29,477
+HK$1,476/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,002/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,859
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,726
−HK$880/mo
Today · 4.125%
HK$29,606
baseline
▲ 0.50% · 4.625%
HK$31,408
+HK$1,802/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,212/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,993
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,824
−HK$844/mo
Today · 4.125%
HK$32,668
baseline
▲ 0.50% · 4.625%
HK$34,390
+HK$1,722/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,336/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,819
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,933
−HK$1,132/mo
Today · 4.125%
HK$38,065
baseline
▲ 0.50% · 4.625%
HK$40,381
+HK$2,316/mo
Deposit HK$873K · loan HK$7.85M · min. income ≈ HK$76,130/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,848
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,917
−HK$1,084/mo
Today · 4.125%
HK$42,001
baseline
▲ 0.50% · 4.625%
HK$44,215
+HK$2,214/mo
Deposit HK$873K · loan HK$7.85M · min. income ≈ HK$84,002/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,806 · 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).