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$19,881
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,499
−HK$628/mo
Today · 4.125%
HK$21,127
baseline
▲ 0.50% · 4.625%
HK$22,413
+HK$1,286/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,254/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,117
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,710
−HK$602/mo
Today · 4.125%
HK$23,312
baseline
▲ 0.50% · 4.625%
HK$24,541
+HK$1,229/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,624/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,857
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,599
−HK$754/mo
Today · 4.125%
HK$25,353
baseline
▲ 0.50% · 4.625%
HK$26,895
+HK$1,542/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,706/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,540
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,252
−HK$722/mo
Today · 4.125%
HK$27,974
baseline
▲ 0.50% · 4.625%
HK$29,449
+HK$1,475/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,948/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,833
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,699
−HK$879/mo
Today · 4.125%
HK$29,578
baseline
▲ 0.50% · 4.625%
HK$31,378
+HK$1,800/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$59,156/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,964
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,794
−HK$843/mo
Today · 4.125%
HK$32,637
baseline
▲ 0.50% · 4.625%
HK$34,357
+HK$1,720/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$65,274/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,785
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,898
−HK$1,131/mo
Today · 4.125%
HK$38,029
baseline
▲ 0.50% · 4.625%
HK$40,343
+HK$2,314/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$76,058/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,811
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,878
−HK$1,083/mo
Today · 4.125%
HK$41,961
baseline
▲ 0.50% · 4.625%
HK$44,173
+HK$2,212/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$83,922/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,558 · 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).