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$19,892
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,511
−HK$629/mo
Today · 4.125%
HK$21,140
baseline
▲ 0.50% · 4.625%
HK$22,426
+HK$1,286/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,280/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,130
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,724
−HK$602/mo
Today · 4.125%
HK$23,326
baseline
▲ 0.50% · 4.625%
HK$24,555
+HK$1,229/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,652/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,871
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,613
−HK$755/mo
Today · 4.125%
HK$25,368
baseline
▲ 0.50% · 4.625%
HK$26,911
+HK$1,543/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,736/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,556
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,268
−HK$723/mo
Today · 4.125%
HK$27,991
baseline
▲ 0.50% · 4.625%
HK$29,466
+HK$1,475/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,982/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,849
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,716
−HK$880/mo
Today · 4.125%
HK$29,596
baseline
▲ 0.50% · 4.625%
HK$31,396
+HK$1,800/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,192/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,982
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,813
−HK$843/mo
Today · 4.125%
HK$32,656
baseline
▲ 0.50% · 4.625%
HK$34,377
+HK$1,721/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,312/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,806
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,920
−HK$1,132/mo
Today · 4.125%
HK$38,052
baseline
▲ 0.50% · 4.625%
HK$40,367
+HK$2,315/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$76,104/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,834
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,902
−HK$1,084/mo
Today · 4.125%
HK$41,986
baseline
▲ 0.50% · 4.625%
HK$44,199
+HK$2,213/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$83,972/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,712 · 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).