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$19,868
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,486
−HK$627/mo
Today · 4.125%
HK$21,113
baseline
▲ 0.50% · 4.625%
HK$22,398
+HK$1,285/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,226/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,102
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,695
−HK$602/mo
Today · 4.125%
HK$23,297
baseline
▲ 0.50% · 4.625%
HK$24,525
+HK$1,228/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,594/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,841
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,583
−HK$753/mo
Today · 4.125%
HK$25,336
baseline
▲ 0.50% · 4.625%
HK$26,878
+HK$1,542/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,672/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,523
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,234
−HK$722/mo
Today · 4.125%
HK$27,956
baseline
▲ 0.50% · 4.625%
HK$29,430
+HK$1,474/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,912/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,815
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,680
−HK$879/mo
Today · 4.125%
HK$29,559
baseline
▲ 0.50% · 4.625%
HK$31,357
+HK$1,798/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,118/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,943
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,773
−HK$842/mo
Today · 4.125%
HK$32,615
baseline
▲ 0.50% · 4.625%
HK$34,334
+HK$1,719/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,230/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,762
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,874
−HK$1,130/mo
Today · 4.125%
HK$38,004
baseline
▲ 0.50% · 4.625%
HK$40,317
+HK$2,313/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$76,008/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,784
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,851
−HK$1,083/mo
Today · 4.125%
HK$41,934
baseline
▲ 0.50% · 4.625%
HK$44,144
+HK$2,210/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,868/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,386 · 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).