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$1,247/mo
▼ 0.25% · 3.875%
HK$20,508
−HK$629/mo
Today · 4.125%
HK$21,137
baseline
▲ 0.50% · 4.625%
HK$22,423
+HK$1,286/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,274/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,127
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,720
−HK$603/mo
Today · 4.125%
HK$23,323
baseline
▲ 0.50% · 4.625%
HK$24,552
+HK$1,229/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$261,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,868
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,610
−HK$754/mo
Today · 4.125%
HK$25,364
baseline
▲ 0.50% · 4.625%
HK$26,908
+HK$1,544/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,728/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,552
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,265
−HK$722/mo
Today · 4.125%
HK$27,987
baseline
▲ 0.50% · 4.625%
HK$29,462
+HK$1,475/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,974/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,846
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,712
−HK$880/mo
Today · 4.125%
HK$29,592
baseline
▲ 0.50% · 4.625%
HK$31,392
+HK$1,800/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,184/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,978
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,809
−HK$843/mo
Today · 4.125%
HK$32,652
baseline
▲ 0.50% · 4.625%
HK$34,373
+HK$1,721/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,304/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,801
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,915
−HK$1,131/mo
Today · 4.125%
HK$38,046
baseline
▲ 0.50% · 4.625%
HK$40,362
+HK$2,316/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$76,092/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,829
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,897
−HK$1,084/mo
Today · 4.125%
HK$41,981
baseline
▲ 0.50% · 4.625%
HK$44,193
+HK$2,212/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$83,962/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,677 · 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).