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$19,883
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,501
−HK$629/mo
Today · 4.125%
HK$21,130
baseline
▲ 0.50% · 4.625%
HK$22,415
+HK$1,285/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,260/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,120
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,713
−HK$602/mo
Today · 4.125%
HK$23,315
baseline
▲ 0.50% · 4.625%
HK$24,544
+HK$1,229/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,630/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,860
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,602
−HK$754/mo
Today · 4.125%
HK$25,356
baseline
▲ 0.50% · 4.625%
HK$26,899
+HK$1,543/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,712/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,544
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,255
−HK$723/mo
Today · 4.125%
HK$27,978
baseline
▲ 0.50% · 4.625%
HK$29,452
+HK$1,474/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,956/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,836
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,702
−HK$880/mo
Today · 4.125%
HK$29,582
baseline
▲ 0.50% · 4.625%
HK$31,382
+HK$1,800/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$59,164/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,967
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,798
−HK$842/mo
Today · 4.125%
HK$32,640
baseline
▲ 0.50% · 4.625%
HK$34,361
+HK$1,721/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$65,280/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,789
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,903
−HK$1,131/mo
Today · 4.125%
HK$38,034
baseline
▲ 0.50% · 4.625%
HK$40,348
+HK$2,314/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$76,068/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,815
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,883
−HK$1,083/mo
Today · 4.125%
HK$41,966
baseline
▲ 0.50% · 4.625%
HK$44,178
+HK$2,212/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$83,932/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,589 · 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).