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$19,881
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,499
−HK$629/mo
Today · 4.125%
HK$21,128
baseline
▲ 0.50% · 4.625%
HK$22,413
+HK$1,285/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,256/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,117
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,710
−HK$602/mo
Today · 4.125%
HK$23,312
baseline
▲ 0.50% · 4.625%
HK$24,541
+HK$1,229/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,624/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,857
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,599
−HK$754/mo
Today · 4.125%
HK$25,353
baseline
▲ 0.50% · 4.625%
HK$26,896
+HK$1,543/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,706/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,541
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,253
−HK$722/mo
Today · 4.125%
HK$27,975
baseline
▲ 0.50% · 4.625%
HK$29,449
+HK$1,474/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,950/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,833
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,699
−HK$880/mo
Today · 4.125%
HK$29,579
baseline
▲ 0.50% · 4.625%
HK$31,378
+HK$1,799/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$59,158/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,964
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,795
−HK$842/mo
Today · 4.125%
HK$32,637
baseline
▲ 0.50% · 4.625%
HK$34,357
+HK$1,720/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$65,274/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,786
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,899
−HK$1,131/mo
Today · 4.125%
HK$38,030
baseline
▲ 0.50% · 4.625%
HK$40,344
+HK$2,314/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$76,060/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,811
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,879
−HK$1,083/mo
Today · 4.125%
HK$41,962
baseline
▲ 0.50% · 4.625%
HK$44,174
+HK$2,212/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$83,924/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,562 · 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).