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$1,246/mo
▼ 0.25% · 3.875%
HK$20,486
−HK$628/mo
Today · 4.125%
HK$21,114
baseline
▲ 0.50% · 4.625%
HK$22,399
+HK$1,285/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,228/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,103
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,696
−HK$601/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$261,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,842
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,583
−HK$754/mo
Today · 4.125%
HK$25,337
baseline
▲ 0.50% · 4.625%
HK$26,878
+HK$1,541/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,674/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,524
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,235
−HK$722/mo
Today · 4.125%
HK$27,957
baseline
▲ 0.50% · 4.625%
HK$29,430
+HK$1,473/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,914/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,815
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,680
−HK$880/mo
Today · 4.125%
HK$29,560
baseline
▲ 0.50% · 4.625%
HK$31,358
+HK$1,798/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,120/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,944
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,774
−HK$842/mo
Today · 4.125%
HK$32,616
baseline
▲ 0.50% · 4.625%
HK$34,335
+HK$1,719/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,232/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,762
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,875
−HK$1,130/mo
Today · 4.125%
HK$38,005
baseline
▲ 0.50% · 4.625%
HK$40,318
+HK$2,313/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$76,010/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,785
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,852
−HK$1,083/mo
Today · 4.125%
HK$41,935
baseline
▲ 0.50% · 4.625%
HK$44,145
+HK$2,210/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,870/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,393 · 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).