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$19,864
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,482
−HK$628/mo
Today · 4.125%
HK$21,110
baseline
▲ 0.50% · 4.625%
HK$22,394
+HK$1,284/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,220/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,099
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,691
−HK$602/mo
Today · 4.125%
HK$23,293
baseline
▲ 0.50% · 4.625%
HK$24,520
+HK$1,227/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,586/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,837
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,578
−HK$754/mo
Today · 4.125%
HK$25,332
baseline
▲ 0.50% · 4.625%
HK$26,873
+HK$1,541/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$50,664/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,518
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,230
−HK$721/mo
Today · 4.125%
HK$27,951
baseline
▲ 0.50% · 4.625%
HK$29,425
+HK$1,474/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$55,902/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,810
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,675
−HK$879/mo
Today · 4.125%
HK$29,554
baseline
▲ 0.50% · 4.625%
HK$31,352
+HK$1,798/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,108/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,938
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,768
−HK$842/mo
Today · 4.125%
HK$32,610
baseline
▲ 0.50% · 4.625%
HK$34,329
+HK$1,719/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,220/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,756
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,868
−HK$1,130/mo
Today · 4.125%
HK$37,998
baseline
▲ 0.50% · 4.625%
HK$40,310
+HK$2,312/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$75,996/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,778
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,844
−HK$1,083/mo
Today · 4.125%
HK$41,927
baseline
▲ 0.50% · 4.625%
HK$44,137
+HK$2,210/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,854/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,342 · 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).