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$19,865
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,483
−HK$628/mo
Today · 4.125%
HK$21,111
baseline
▲ 0.50% · 4.625%
HK$22,395
+HK$1,284/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,222/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,100
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,692
−HK$602/mo
Today · 4.125%
HK$23,294
baseline
▲ 0.50% · 4.625%
HK$24,521
+HK$1,227/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,588/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,838
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,579
−HK$754/mo
Today · 4.125%
HK$25,333
baseline
▲ 0.50% · 4.625%
HK$26,874
+HK$1,541/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$50,666/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,519
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,231
−HK$721/mo
Today · 4.125%
HK$27,952
baseline
▲ 0.50% · 4.625%
HK$29,426
+HK$1,474/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$55,904/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,811
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,676
−HK$879/mo
Today · 4.125%
HK$29,555
baseline
▲ 0.50% · 4.625%
HK$31,353
+HK$1,798/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,110/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,939
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,769
−HK$842/mo
Today · 4.125%
HK$32,611
baseline
▲ 0.50% · 4.625%
HK$34,330
+HK$1,719/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,222/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,757
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,869
−HK$1,130/mo
Today · 4.125%
HK$37,999
baseline
▲ 0.50% · 4.625%
HK$40,311
+HK$2,312/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$75,998/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,779
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,846
−HK$1,082/mo
Today · 4.125%
HK$41,928
baseline
▲ 0.50% · 4.625%
HK$44,138
+HK$2,210/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,856/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,352 · 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).