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$19,903
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,522
−HK$629/mo
Today · 4.125%
HK$21,151
baseline
▲ 0.50% · 4.625%
HK$22,438
+HK$1,287/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,302/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,141
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,735
−HK$603/mo
Today · 4.125%
HK$23,338
baseline
▲ 0.50% · 4.625%
HK$24,568
+HK$1,230/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,676/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,883
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,626
−HK$755/mo
Today · 4.125%
HK$25,381
baseline
▲ 0.50% · 4.625%
HK$26,925
+HK$1,544/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,762/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,570
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,282
−HK$723/mo
Today · 4.125%
HK$28,005
baseline
▲ 0.50% · 4.625%
HK$29,481
+HK$1,476/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,010/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,864
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,730
−HK$881/mo
Today · 4.125%
HK$29,611
baseline
▲ 0.50% · 4.625%
HK$31,413
+HK$1,802/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,222/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,998
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,829
−HK$844/mo
Today · 4.125%
HK$32,673
baseline
▲ 0.50% · 4.625%
HK$34,395
+HK$1,722/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,346/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,825
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,939
−HK$1,132/mo
Today · 4.125%
HK$38,071
baseline
▲ 0.50% · 4.625%
HK$40,388
+HK$2,317/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$76,142/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,855
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,924
−HK$1,084/mo
Today · 4.125%
HK$42,008
baseline
▲ 0.50% · 4.625%
HK$44,222
+HK$2,214/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$84,016/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,848 · 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).