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$19,874
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,492
−HK$628/mo
Today · 4.125%
HK$21,120
baseline
▲ 0.50% · 4.625%
HK$22,405
+HK$1,285/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,240/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,109
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,702
−HK$602/mo
Today · 4.125%
HK$23,304
baseline
▲ 0.50% · 4.625%
HK$24,532
+HK$1,228/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,608/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,848
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,590
−HK$754/mo
Today · 4.125%
HK$25,344
baseline
▲ 0.50% · 4.625%
HK$26,886
+HK$1,542/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,688/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,531
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,243
−HK$721/mo
Today · 4.125%
HK$27,964
baseline
▲ 0.50% · 4.625%
HK$29,439
+HK$1,475/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,928/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,823
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,689
−HK$879/mo
Today · 4.125%
HK$29,568
baseline
▲ 0.50% · 4.625%
HK$31,367
+HK$1,799/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,136/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,953
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,783
−HK$842/mo
Today · 4.125%
HK$32,625
baseline
▲ 0.50% · 4.625%
HK$34,345
+HK$1,720/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,250/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,773
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,885
−HK$1,131/mo
Today · 4.125%
HK$38,016
baseline
▲ 0.50% · 4.625%
HK$40,329
+HK$2,313/mo
Deposit HK$872K · loan HK$7.84M · min. income ≈ HK$76,032/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,797
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,864
−HK$1,083/mo
Today · 4.125%
HK$41,947
baseline
▲ 0.50% · 4.625%
HK$44,158
+HK$2,211/mo
Deposit HK$872K · loan HK$7.84M · min. income ≈ HK$83,894/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,466 · 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).