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$19,860
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,478
−HK$627/mo
Today · 4.125%
HK$21,105
baseline
▲ 0.50% · 4.625%
HK$22,390
+HK$1,285/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,210/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,094
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,687
−HK$601/mo
Today · 4.125%
HK$23,288
baseline
▲ 0.50% · 4.625%
HK$24,515
+HK$1,227/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,576/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,832
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,573
−HK$753/mo
Today · 4.125%
HK$25,326
baseline
▲ 0.50% · 4.625%
HK$26,867
+HK$1,541/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$50,652/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,513
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,224
−HK$721/mo
Today · 4.125%
HK$27,945
baseline
▲ 0.50% · 4.625%
HK$29,418
+HK$1,473/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$55,890/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,804
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,669
−HK$878/mo
Today · 4.125%
HK$29,547
baseline
▲ 0.50% · 4.625%
HK$31,345
+HK$1,798/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,094/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,932
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,761
−HK$842/mo
Today · 4.125%
HK$32,603
baseline
▲ 0.50% · 4.625%
HK$34,321
+HK$1,718/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,206/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,748
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,860
−HK$1,130/mo
Today · 4.125%
HK$37,990
baseline
▲ 0.50% · 4.625%
HK$40,301
+HK$2,311/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$75,980/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,769
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,836
−HK$1,082/mo
Today · 4.125%
HK$41,918
baseline
▲ 0.50% · 4.625%
HK$44,127
+HK$2,209/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,836/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,286 · 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).