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$19,875
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,493
−HK$628/mo
Today · 4.125%
HK$21,121
baseline
▲ 0.50% · 4.625%
HK$22,406
+HK$1,285/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,242/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,111
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,703
−HK$602/mo
Today · 4.125%
HK$23,305
baseline
▲ 0.50% · 4.625%
HK$24,534
+HK$1,229/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,610/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,850
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,592
−HK$753/mo
Today · 4.125%
HK$25,345
baseline
▲ 0.50% · 4.625%
HK$26,888
+HK$1,543/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,690/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,533
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,244
−HK$722/mo
Today · 4.125%
HK$27,966
baseline
▲ 0.50% · 4.625%
HK$29,440
+HK$1,474/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,932/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,825
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,690
−HK$880/mo
Today · 4.125%
HK$29,570
baseline
▲ 0.50% · 4.625%
HK$31,369
+HK$1,799/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,140/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,955
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,785
−HK$842/mo
Today · 4.125%
HK$32,627
baseline
▲ 0.50% · 4.625%
HK$34,347
+HK$1,720/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,254/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,775
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,887
−HK$1,131/mo
Today · 4.125%
HK$38,018
baseline
▲ 0.50% · 4.625%
HK$40,331
+HK$2,313/mo
Deposit HK$872K · loan HK$7.84M · min. income ≈ HK$76,036/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,799
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,866
−HK$1,083/mo
Today · 4.125%
HK$41,949
baseline
▲ 0.50% · 4.625%
HK$44,160
+HK$2,211/mo
Deposit HK$872K · loan HK$7.84M · min. income ≈ HK$83,898/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,481 · 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).