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$19,876
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,494
−HK$628/mo
Today · 4.125%
HK$21,122
baseline
▲ 0.50% · 4.625%
HK$22,408
+HK$1,286/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,244/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,112
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,705
−HK$601/mo
Today · 4.125%
HK$23,306
baseline
▲ 0.50% · 4.625%
HK$24,535
+HK$1,229/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,612/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,851
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,593
−HK$754/mo
Today · 4.125%
HK$25,347
baseline
▲ 0.50% · 4.625%
HK$26,889
+HK$1,542/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,694/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,534
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,246
−HK$722/mo
Today · 4.125%
HK$27,968
baseline
▲ 0.50% · 4.625%
HK$29,442
+HK$1,474/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,936/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,826
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,692
−HK$879/mo
Today · 4.125%
HK$29,571
baseline
▲ 0.50% · 4.625%
HK$31,371
+HK$1,800/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,142/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,956
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,787
−HK$842/mo
Today · 4.125%
HK$32,629
baseline
▲ 0.50% · 4.625%
HK$34,349
+HK$1,720/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,258/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,777
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,889
−HK$1,131/mo
Today · 4.125%
HK$38,020
baseline
▲ 0.50% · 4.625%
HK$40,334
+HK$2,314/mo
Deposit HK$872K · loan HK$7.84M · min. income ≈ HK$76,040/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,801
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,869
−HK$1,082/mo
Today · 4.125%
HK$41,951
baseline
▲ 0.50% · 4.625%
HK$44,163
+HK$2,212/mo
Deposit HK$872K · loan HK$7.84M · min. income ≈ HK$83,902/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,496 · 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).