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$19,868
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,486
−HK$628/mo
Today · 4.125%
HK$21,114
baseline
▲ 0.50% · 4.625%
HK$22,399
+HK$1,285/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,228/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,103
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,696
−HK$602/mo
Today · 4.125%
HK$23,298
baseline
▲ 0.50% · 4.625%
HK$24,526
+HK$1,228/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,596/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,842
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,584
−HK$753/mo
Today · 4.125%
HK$25,337
baseline
▲ 0.50% · 4.625%
HK$26,879
+HK$1,542/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,674/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,524
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,236
−HK$721/mo
Today · 4.125%
HK$27,957
baseline
▲ 0.50% · 4.625%
HK$29,431
+HK$1,474/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,914/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,816
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,681
−HK$879/mo
Today · 4.125%
HK$29,560
baseline
▲ 0.50% · 4.625%
HK$31,359
+HK$1,799/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,120/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,945
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,775
−HK$842/mo
Today · 4.125%
HK$32,617
baseline
▲ 0.50% · 4.625%
HK$34,336
+HK$1,719/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,234/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,763
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,876
−HK$1,130/mo
Today · 4.125%
HK$38,006
baseline
▲ 0.50% · 4.625%
HK$40,318
+HK$2,312/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$76,012/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,786
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,853
−HK$1,083/mo
Today · 4.125%
HK$41,936
baseline
▲ 0.50% · 4.625%
HK$44,146
+HK$2,210/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,872/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,398 · 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).