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$19,899
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,518
−HK$629/mo
Today · 4.125%
HK$21,147
baseline
▲ 0.50% · 4.625%
HK$22,433
+HK$1,286/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,294/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,137
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,731
−HK$602/mo
Today · 4.125%
HK$23,333
baseline
▲ 0.50% · 4.625%
HK$24,563
+HK$1,230/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,666/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,879
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,621
−HK$755/mo
Today · 4.125%
HK$25,376
baseline
▲ 0.50% · 4.625%
HK$26,920
+HK$1,544/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,752/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,565
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,277
−HK$723/mo
Today · 4.125%
HK$28,000
baseline
▲ 0.50% · 4.625%
HK$29,476
+HK$1,476/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,000/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,858
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,725
−HK$880/mo
Today · 4.125%
HK$29,605
baseline
▲ 0.50% · 4.625%
HK$31,407
+HK$1,802/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,210/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,992
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,823
−HK$843/mo
Today · 4.125%
HK$32,666
baseline
▲ 0.50% · 4.625%
HK$34,388
+HK$1,722/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,332/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,818
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,932
−HK$1,132/mo
Today · 4.125%
HK$38,064
baseline
▲ 0.50% · 4.625%
HK$40,380
+HK$2,316/mo
Deposit HK$873K · loan HK$7.85M · min. income ≈ HK$76,128/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,847
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,916
−HK$1,084/mo
Today · 4.125%
HK$42,000
baseline
▲ 0.50% · 4.625%
HK$44,214
+HK$2,214/mo
Deposit HK$873K · loan HK$7.85M · min. income ≈ HK$84,000/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,797 · 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).