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$19,891
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,509
−HK$629/mo
Today · 4.125%
HK$21,138
baseline
▲ 0.50% · 4.625%
HK$22,424
+HK$1,286/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,276/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,128
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,722
−HK$602/mo
Today · 4.125%
HK$23,324
baseline
▲ 0.50% · 4.625%
HK$24,553
+HK$1,229/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,648/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,869
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,611
−HK$755/mo
Today · 4.125%
HK$25,366
baseline
▲ 0.50% · 4.625%
HK$26,909
+HK$1,543/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,732/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,554
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,266
−HK$723/mo
Today · 4.125%
HK$27,989
baseline
▲ 0.50% · 4.625%
HK$29,464
+HK$1,475/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,978/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,847
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,713
−HK$880/mo
Today · 4.125%
HK$29,593
baseline
▲ 0.50% · 4.625%
HK$31,394
+HK$1,801/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,186/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,980
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,810
−HK$843/mo
Today · 4.125%
HK$32,653
baseline
▲ 0.50% · 4.625%
HK$34,375
+HK$1,722/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,306/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,803
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,917
−HK$1,132/mo
Today · 4.125%
HK$38,049
baseline
▲ 0.50% · 4.625%
HK$40,364
+HK$2,315/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$76,098/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,831
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,899
−HK$1,084/mo
Today · 4.125%
HK$41,983
baseline
▲ 0.50% · 4.625%
HK$44,196
+HK$2,213/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$83,966/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,692 · 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).