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$19,857
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,475
−HK$627/mo
Today · 4.125%
HK$21,102
baseline
▲ 0.50% · 4.625%
HK$22,386
+HK$1,284/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,204/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,091
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,683
−HK$601/mo
Today · 4.125%
HK$23,284
baseline
▲ 0.50% · 4.625%
HK$24,512
+HK$1,228/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,568/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,828
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,570
−HK$753/mo
Today · 4.125%
HK$25,323
baseline
▲ 0.50% · 4.625%
HK$26,863
+HK$1,540/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,646/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,509
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,220
−HK$721/mo
Today · 4.125%
HK$27,941
baseline
▲ 0.50% · 4.625%
HK$29,414
+HK$1,473/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,882/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,800
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,665
−HK$878/mo
Today · 4.125%
HK$29,543
baseline
▲ 0.50% · 4.625%
HK$31,341
+HK$1,798/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,086/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,927
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,756
−HK$842/mo
Today · 4.125%
HK$32,598
baseline
▲ 0.50% · 4.625%
HK$34,316
+HK$1,718/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,196/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,743
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,854
−HK$1,130/mo
Today · 4.125%
HK$37,984
baseline
▲ 0.50% · 4.625%
HK$40,295
+HK$2,311/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$75,968/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,763
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,830
−HK$1,082/mo
Today · 4.125%
HK$41,912
baseline
▲ 0.50% · 4.625%
HK$44,121
+HK$2,209/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,824/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,247 · 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).