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$19,905
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,525
−HK$629/mo
Today · 4.125%
HK$21,154
baseline
▲ 0.50% · 4.625%
HK$22,441
+HK$1,287/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,308/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,145
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,738
−HK$603/mo
Today · 4.125%
HK$23,341
baseline
▲ 0.50% · 4.625%
HK$24,571
+HK$1,230/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,682/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,886
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,629
−HK$755/mo
Today · 4.125%
HK$25,384
baseline
▲ 0.50% · 4.625%
HK$26,929
+HK$1,545/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,768/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,573
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,286
−HK$723/mo
Today · 4.125%
HK$28,009
baseline
▲ 0.50% · 4.625%
HK$29,486
+HK$1,477/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,018/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,868
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,734
−HK$881/mo
Today · 4.125%
HK$29,615
baseline
▲ 0.50% · 4.625%
HK$31,417
+HK$1,802/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,230/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,002
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,834
−HK$843/mo
Today · 4.125%
HK$32,677
baseline
▲ 0.50% · 4.625%
HK$34,400
+HK$1,723/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,354/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,830
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,944
−HK$1,133/mo
Today · 4.125%
HK$38,077
baseline
▲ 0.50% · 4.625%
HK$40,393
+HK$2,316/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$76,154/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,860
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,929
−HK$1,085/mo
Today · 4.125%
HK$42,014
baseline
▲ 0.50% · 4.625%
HK$44,228
+HK$2,214/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$84,028/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,884 · 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).