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$19,866
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,484
−HK$628/mo
Today · 4.125%
HK$21,112
baseline
▲ 0.50% · 4.625%
HK$22,396
+HK$1,284/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,224/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,101
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,693
−HK$602/mo
Today · 4.125%
HK$23,295
baseline
▲ 0.50% · 4.625%
HK$24,522
+HK$1,227/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,590/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,839
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,581
−HK$753/mo
Today · 4.125%
HK$25,334
baseline
▲ 0.50% · 4.625%
HK$26,875
+HK$1,541/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$50,668/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,521
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,232
−HK$721/mo
Today · 4.125%
HK$27,953
baseline
▲ 0.50% · 4.625%
HK$29,427
+HK$1,474/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$55,906/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,812
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,677
−HK$879/mo
Today · 4.125%
HK$29,556
baseline
▲ 0.50% · 4.625%
HK$31,355
+HK$1,799/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,112/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,941
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,771
−HK$841/mo
Today · 4.125%
HK$32,612
baseline
▲ 0.50% · 4.625%
HK$34,331
+HK$1,719/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,224/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,758
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,871
−HK$1,130/mo
Today · 4.125%
HK$38,001
baseline
▲ 0.50% · 4.625%
HK$40,313
+HK$2,312/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$76,002/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,781
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,848
−HK$1,082/mo
Today · 4.125%
HK$41,930
baseline
▲ 0.50% · 4.625%
HK$44,140
+HK$2,210/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,860/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,364 · 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).