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$19,897
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,516
−HK$629/mo
Today · 4.125%
HK$21,145
baseline
▲ 0.50% · 4.625%
HK$22,431
+HK$1,286/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,290/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,135
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,729
−HK$602/mo
Today · 4.125%
HK$23,331
baseline
▲ 0.50% · 4.625%
HK$24,561
+HK$1,230/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,662/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,876
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,619
−HK$755/mo
Today · 4.125%
HK$25,374
baseline
▲ 0.50% · 4.625%
HK$26,917
+HK$1,543/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,748/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,562
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,274
−HK$723/mo
Today · 4.125%
HK$27,997
baseline
▲ 0.50% · 4.625%
HK$29,473
+HK$1,476/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$55,994/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,856
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,722
−HK$880/mo
Today · 4.125%
HK$29,602
baseline
▲ 0.50% · 4.625%
HK$31,404
+HK$1,802/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,204/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,989
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,820
−HK$843/mo
Today · 4.125%
HK$32,663
baseline
▲ 0.50% · 4.625%
HK$34,385
+HK$1,722/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,326/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,814
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,928
−HK$1,132/mo
Today · 4.125%
HK$38,060
baseline
▲ 0.50% · 4.625%
HK$40,376
+HK$2,316/mo
Deposit HK$873K · loan HK$7.85M · min. income ≈ HK$76,120/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,843
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,912
−HK$1,084/mo
Today · 4.125%
HK$41,996
baseline
▲ 0.50% · 4.625%
HK$44,209
+HK$2,213/mo
Deposit HK$873K · loan HK$7.85M · min. income ≈ HK$83,992/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,772 · 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).