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$19,863
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,481
−HK$628/mo
Today · 4.125%
HK$21,109
baseline
▲ 0.50% · 4.625%
HK$22,393
+HK$1,284/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,218/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,098
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,690
−HK$602/mo
Today · 4.125%
HK$23,292
baseline
▲ 0.50% · 4.625%
HK$24,519
+HK$1,227/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,584/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,836
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,577
−HK$754/mo
Today · 4.125%
HK$25,331
baseline
▲ 0.50% · 4.625%
HK$26,872
+HK$1,541/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$50,662/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,517
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,228
−HK$722/mo
Today · 4.125%
HK$27,950
baseline
▲ 0.50% · 4.625%
HK$29,423
+HK$1,473/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$55,900/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,809
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,674
−HK$878/mo
Today · 4.125%
HK$29,552
baseline
▲ 0.50% · 4.625%
HK$31,351
+HK$1,799/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,104/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,937
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,766
−HK$842/mo
Today · 4.125%
HK$32,608
baseline
▲ 0.50% · 4.625%
HK$34,327
+HK$1,719/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,216/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,754
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,866
−HK$1,130/mo
Today · 4.125%
HK$37,996
baseline
▲ 0.50% · 4.625%
HK$40,308
+HK$2,312/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$75,992/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,776
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,843
−HK$1,082/mo
Today · 4.125%
HK$41,925
baseline
▲ 0.50% · 4.625%
HK$44,135
+HK$2,210/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,850/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,330 · 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).