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$19,877
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,495
−HK$628/mo
Today · 4.125%
HK$21,123
baseline
▲ 0.50% · 4.625%
HK$22,409
+HK$1,286/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,246/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,113
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,706
−HK$601/mo
Today · 4.125%
HK$23,307
baseline
▲ 0.50% · 4.625%
HK$24,536
+HK$1,229/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,614/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,852
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,594
−HK$754/mo
Today · 4.125%
HK$25,348
baseline
▲ 0.50% · 4.625%
HK$26,890
+HK$1,542/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,696/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,535
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,247
−HK$722/mo
Today · 4.125%
HK$27,969
baseline
▲ 0.50% · 4.625%
HK$29,443
+HK$1,474/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,938/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,827
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,693
−HK$879/mo
Today · 4.125%
HK$29,572
baseline
▲ 0.50% · 4.625%
HK$31,372
+HK$1,800/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$59,144/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,958
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,788
−HK$842/mo
Today · 4.125%
HK$32,630
baseline
▲ 0.50% · 4.625%
HK$34,350
+HK$1,720/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$65,260/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,778
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,891
−HK$1,131/mo
Today · 4.125%
HK$38,022
baseline
▲ 0.50% · 4.625%
HK$40,335
+HK$2,313/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$76,044/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,803
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,870
−HK$1,083/mo
Today · 4.125%
HK$41,953
baseline
▲ 0.50% · 4.625%
HK$44,165
+HK$2,212/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$83,906/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,507 · 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).