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$19,867
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,485
−HK$628/mo
Today · 4.125%
HK$21,113
baseline
▲ 0.50% · 4.625%
HK$22,397
+HK$1,284/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$261,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,102
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,694
−HK$602/mo
Today · 4.125%
HK$23,296
baseline
▲ 0.50% · 4.625%
HK$24,524
+HK$1,228/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,592/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,840
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,582
−HK$753/mo
Today · 4.125%
HK$25,335
baseline
▲ 0.50% · 4.625%
HK$26,877
+HK$1,542/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$50,670/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,522
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,233
−HK$722/mo
Today · 4.125%
HK$27,955
baseline
▲ 0.50% · 4.625%
HK$29,428
+HK$1,473/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$55,910/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,813
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,679
−HK$879/mo
Today · 4.125%
HK$29,558
baseline
▲ 0.50% · 4.625%
HK$31,356
+HK$1,798/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,116/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,942
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,772
−HK$842/mo
Today · 4.125%
HK$32,614
baseline
▲ 0.50% · 4.625%
HK$34,333
+HK$1,719/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,228/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,760
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,872
−HK$1,131/mo
Today · 4.125%
HK$38,003
baseline
▲ 0.50% · 4.625%
HK$40,315
+HK$2,312/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$76,006/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,783
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,850
−HK$1,082/mo
Today · 4.125%
HK$41,932
baseline
▲ 0.50% · 4.625%
HK$44,142
+HK$2,210/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,864/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,375 · 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).