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$19,888
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,506
−HK$629/mo
Today · 4.125%
HK$21,135
baseline
▲ 0.50% · 4.625%
HK$22,421
+HK$1,286/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,270/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,125
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,718
−HK$602/mo
Today · 4.125%
HK$23,320
baseline
▲ 0.50% · 4.625%
HK$24,549
+HK$1,229/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,640/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,865
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,607
−HK$755/mo
Today · 4.125%
HK$25,362
baseline
▲ 0.50% · 4.625%
HK$26,905
+HK$1,543/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,724/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,550
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,262
−HK$722/mo
Today · 4.125%
HK$27,984
baseline
▲ 0.50% · 4.625%
HK$29,459
+HK$1,475/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,968/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,843
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,709
−HK$880/mo
Today · 4.125%
HK$29,589
baseline
▲ 0.50% · 4.625%
HK$31,389
+HK$1,800/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,178/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,975
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,805
−HK$843/mo
Today · 4.125%
HK$32,648
baseline
▲ 0.50% · 4.625%
HK$34,369
+HK$1,721/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,296/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,798
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,911
−HK$1,131/mo
Today · 4.125%
HK$38,042
baseline
▲ 0.50% · 4.625%
HK$40,357
+HK$2,315/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$76,084/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,824
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,893
−HK$1,083/mo
Today · 4.125%
HK$41,976
baseline
▲ 0.50% · 4.625%
HK$44,189
+HK$2,213/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$83,952/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,650 · 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).