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$19,887
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,505
−HK$629/mo
Today · 4.125%
HK$21,134
baseline
▲ 0.50% · 4.625%
HK$22,420
+HK$1,286/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,268/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,124
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,717
−HK$602/mo
Today · 4.125%
HK$23,319
baseline
▲ 0.50% · 4.625%
HK$24,548
+HK$1,229/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,638/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,864
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,606
−HK$755/mo
Today · 4.125%
HK$25,361
baseline
▲ 0.50% · 4.625%
HK$26,904
+HK$1,543/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,722/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,549
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,261
−HK$722/mo
Today · 4.125%
HK$27,983
baseline
▲ 0.50% · 4.625%
HK$29,458
+HK$1,475/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,966/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,842
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,708
−HK$879/mo
Today · 4.125%
HK$29,587
baseline
▲ 0.50% · 4.625%
HK$31,388
+HK$1,801/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$59,174/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,973
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,804
−HK$843/mo
Today · 4.125%
HK$32,647
baseline
▲ 0.50% · 4.625%
HK$34,368
+HK$1,721/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$65,294/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,796
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,910
−HK$1,131/mo
Today · 4.125%
HK$38,041
baseline
▲ 0.50% · 4.625%
HK$40,356
+HK$2,315/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$76,082/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,823
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,891
−HK$1,083/mo
Today · 4.125%
HK$41,974
baseline
▲ 0.50% · 4.625%
HK$44,187
+HK$2,213/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$83,948/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,639 · 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).