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$19,884
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,503
−HK$628/mo
Today · 4.125%
HK$21,131
baseline
▲ 0.50% · 4.625%
HK$22,417
+HK$1,286/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,262/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,121
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,714
−HK$602/mo
Today · 4.125%
HK$23,316
baseline
▲ 0.50% · 4.625%
HK$24,545
+HK$1,229/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,632/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,861
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,603
−HK$754/mo
Today · 4.125%
HK$25,357
baseline
▲ 0.50% · 4.625%
HK$26,900
+HK$1,543/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,714/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,545
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,257
−HK$722/mo
Today · 4.125%
HK$27,979
baseline
▲ 0.50% · 4.625%
HK$29,454
+HK$1,475/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,958/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,838
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,704
−HK$880/mo
Today · 4.125%
HK$29,584
baseline
▲ 0.50% · 4.625%
HK$31,384
+HK$1,800/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$59,168/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,969
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,800
−HK$842/mo
Today · 4.125%
HK$32,642
baseline
▲ 0.50% · 4.625%
HK$34,363
+HK$1,721/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$65,284/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,792
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,905
−HK$1,131/mo
Today · 4.125%
HK$38,036
baseline
▲ 0.50% · 4.625%
HK$40,350
+HK$2,314/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$76,072/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,818
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,886
−HK$1,083/mo
Today · 4.125%
HK$41,969
baseline
▲ 0.50% · 4.625%
HK$44,181
+HK$2,212/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$83,938/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,605 · 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).