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$19,880
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,498
−HK$628/mo
Today · 4.125%
HK$21,126
baseline
▲ 0.50% · 4.625%
HK$22,412
+HK$1,286/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,252/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,116
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,709
−HK$602/mo
Today · 4.125%
HK$23,311
baseline
▲ 0.50% · 4.625%
HK$24,540
+HK$1,229/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,622/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,856
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,598
−HK$754/mo
Today · 4.125%
HK$25,352
baseline
▲ 0.50% · 4.625%
HK$26,894
+HK$1,542/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,704/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,539
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,251
−HK$722/mo
Today · 4.125%
HK$27,973
baseline
▲ 0.50% · 4.625%
HK$29,448
+HK$1,475/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,946/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,832
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,697
−HK$880/mo
Today · 4.125%
HK$29,577
baseline
▲ 0.50% · 4.625%
HK$31,377
+HK$1,800/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$59,154/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,962
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,793
−HK$842/mo
Today · 4.125%
HK$32,635
baseline
▲ 0.50% · 4.625%
HK$34,356
+HK$1,721/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$65,270/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,784
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,897
−HK$1,131/mo
Today · 4.125%
HK$38,028
baseline
▲ 0.50% · 4.625%
HK$40,341
+HK$2,313/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$76,056/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,809
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,877
−HK$1,083/mo
Today · 4.125%
HK$41,960
baseline
▲ 0.50% · 4.625%
HK$44,171
+HK$2,211/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$83,920/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,547 · 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).