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$19,878
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,497
−HK$628/mo
Today · 4.125%
HK$21,125
baseline
▲ 0.50% · 4.625%
HK$22,410
+HK$1,285/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,250/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,114
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,708
−HK$601/mo
Today · 4.125%
HK$23,309
baseline
▲ 0.50% · 4.625%
HK$24,538
+HK$1,229/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,618/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,854
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,596
−HK$754/mo
Today · 4.125%
HK$25,350
baseline
▲ 0.50% · 4.625%
HK$26,892
+HK$1,542/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,700/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,537
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,249
−HK$722/mo
Today · 4.125%
HK$27,971
baseline
▲ 0.50% · 4.625%
HK$29,445
+HK$1,474/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,942/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,830
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,695
−HK$880/mo
Today · 4.125%
HK$29,575
baseline
▲ 0.50% · 4.625%
HK$31,374
+HK$1,799/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$59,150/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,960
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,791
−HK$842/mo
Today · 4.125%
HK$32,633
baseline
▲ 0.50% · 4.625%
HK$34,353
+HK$1,720/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$65,266/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,781
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,894
−HK$1,131/mo
Today · 4.125%
HK$38,025
baseline
▲ 0.50% · 4.625%
HK$40,339
+HK$2,314/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$76,050/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,806
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,874
−HK$1,083/mo
Today · 4.125%
HK$41,957
baseline
▲ 0.50% · 4.625%
HK$44,168
+HK$2,211/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$83,914/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,528 · 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).