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$1,245/mo
▼ 0.25% · 3.875%
HK$20,483
−HK$627/mo
Today · 4.125%
HK$21,110
baseline
▲ 0.50% · 4.625%
HK$22,395
+HK$1,285/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,220/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,099
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,692
−HK$601/mo
Today · 4.125%
HK$23,293
baseline
▲ 0.50% · 4.625%
HK$24,521
+HK$1,228/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,586/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,838
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,579
−HK$753/mo
Today · 4.125%
HK$25,332
baseline
▲ 0.50% · 4.625%
HK$26,874
+HK$1,542/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$50,664/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,519
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,230
−HK$722/mo
Today · 4.125%
HK$27,952
baseline
▲ 0.50% · 4.625%
HK$29,425
+HK$1,473/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$261,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,811
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,676
−HK$878/mo
Today · 4.125%
HK$29,554
baseline
▲ 0.50% · 4.625%
HK$31,353
+HK$1,799/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,108/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,939
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,769
−HK$841/mo
Today · 4.125%
HK$32,610
baseline
▲ 0.50% · 4.625%
HK$34,329
+HK$1,719/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,220/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,756
−HK$2,243/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$261,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,779
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,845
−HK$1,083/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$261,348 · 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).