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$19,895
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,514
−HK$629/mo
Today · 4.125%
HK$21,143
baseline
▲ 0.50% · 4.625%
HK$22,430
+HK$1,287/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,286/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,134
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,727
−HK$602/mo
Today · 4.125%
HK$23,329
baseline
▲ 0.50% · 4.625%
HK$24,559
+HK$1,230/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,658/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,875
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,617
−HK$755/mo
Today · 4.125%
HK$25,372
baseline
▲ 0.50% · 4.625%
HK$26,916
+HK$1,544/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,744/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,560
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,273
−HK$722/mo
Today · 4.125%
HK$27,995
baseline
▲ 0.50% · 4.625%
HK$29,471
+HK$1,476/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$55,990/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,854
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,720
−HK$880/mo
Today · 4.125%
HK$29,600
baseline
▲ 0.50% · 4.625%
HK$31,401
+HK$1,801/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,200/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,987
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,818
−HK$843/mo
Today · 4.125%
HK$32,661
baseline
▲ 0.50% · 4.625%
HK$34,383
+HK$1,722/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,322/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,812
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,926
−HK$1,132/mo
Today · 4.125%
HK$38,058
baseline
▲ 0.50% · 4.625%
HK$40,373
+HK$2,315/mo
Deposit HK$873K · loan HK$7.85M · min. income ≈ HK$76,116/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,840
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,909
−HK$1,084/mo
Today · 4.125%
HK$41,993
baseline
▲ 0.50% · 4.625%
HK$44,206
+HK$2,213/mo
Deposit HK$873K · loan HK$7.85M · min. income ≈ HK$83,986/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,753 · 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).