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$19,898
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,517
−HK$629/mo
Today · 4.125%
HK$21,146
baseline
▲ 0.50% · 4.625%
HK$22,433
+HK$1,287/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,292/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,137
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,730
−HK$603/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$4.62M (deposit + AVD stamp duty HK$261,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,878
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,621
−HK$754/mo
Today · 4.125%
HK$25,375
baseline
▲ 0.50% · 4.625%
HK$26,919
+HK$1,544/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,750/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,564
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,276
−HK$723/mo
Today · 4.125%
HK$27,999
baseline
▲ 0.50% · 4.625%
HK$29,475
+HK$1,476/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$55,998/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,858
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,724
−HK$881/mo
Today · 4.125%
HK$29,605
baseline
▲ 0.50% · 4.625%
HK$31,406
+HK$1,801/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$261,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,991
−HK$1,675/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$261,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,817
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,931
−HK$1,132/mo
Today · 4.125%
HK$38,063
baseline
▲ 0.50% · 4.625%
HK$40,379
+HK$2,316/mo
Deposit HK$873K · loan HK$7.85M · min. income ≈ HK$76,126/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,846
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,915
−HK$1,084/mo
Today · 4.125%
HK$41,999
baseline
▲ 0.50% · 4.625%
HK$44,213
+HK$2,214/mo
Deposit HK$873K · loan HK$7.85M · min. income ≈ HK$83,998/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,791 · 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).