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$19,890
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,509
−HK$629/mo
Today · 4.125%
HK$21,138
baseline
▲ 0.50% · 4.625%
HK$22,424
+HK$1,286/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,276/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,128
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,721
−HK$602/mo
Today · 4.125%
HK$23,323
baseline
▲ 0.50% · 4.625%
HK$24,553
+HK$1,230/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,646/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,868
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,611
−HK$754/mo
Today · 4.125%
HK$25,365
baseline
▲ 0.50% · 4.625%
HK$26,909
+HK$1,544/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,730/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,553
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,266
−HK$722/mo
Today · 4.125%
HK$27,988
baseline
▲ 0.50% · 4.625%
HK$29,463
+HK$1,475/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,976/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,847
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,713
−HK$880/mo
Today · 4.125%
HK$29,593
baseline
▲ 0.50% · 4.625%
HK$31,393
+HK$1,800/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,186/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,979
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,810
−HK$843/mo
Today · 4.125%
HK$32,653
baseline
▲ 0.50% · 4.625%
HK$34,374
+HK$1,721/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,306/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,803
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,916
−HK$1,132/mo
Today · 4.125%
HK$38,048
baseline
▲ 0.50% · 4.625%
HK$40,363
+HK$2,315/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$76,096/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,830
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,898
−HK$1,084/mo
Today · 4.125%
HK$41,982
baseline
▲ 0.50% · 4.625%
HK$44,195
+HK$2,213/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$83,964/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,687 · 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).