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$19,869
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,487
−HK$628/mo
Today · 4.125%
HK$21,115
baseline
▲ 0.50% · 4.625%
HK$22,400
+HK$1,285/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,230/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,104
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,697
−HK$602/mo
Today · 4.125%
HK$23,299
baseline
▲ 0.50% · 4.625%
HK$24,527
+HK$1,228/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,598/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,843
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,585
−HK$753/mo
Today · 4.125%
HK$25,338
baseline
▲ 0.50% · 4.625%
HK$26,880
+HK$1,542/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,676/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,525
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,237
−HK$721/mo
Today · 4.125%
HK$27,958
baseline
▲ 0.50% · 4.625%
HK$29,432
+HK$1,474/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,916/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,817
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,682
−HK$879/mo
Today · 4.125%
HK$29,561
baseline
▲ 0.50% · 4.625%
HK$31,360
+HK$1,799/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,122/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,946
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,776
−HK$842/mo
Today · 4.125%
HK$32,618
baseline
▲ 0.50% · 4.625%
HK$34,337
+HK$1,719/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,236/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,765
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,877
−HK$1,131/mo
Today · 4.125%
HK$38,008
baseline
▲ 0.50% · 4.625%
HK$40,320
+HK$2,312/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$76,016/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,788
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,855
−HK$1,083/mo
Today · 4.125%
HK$41,938
baseline
▲ 0.50% · 4.625%
HK$44,148
+HK$2,210/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,876/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,410 · 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).