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$19,855
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,473
−HK$627/mo
Today · 4.125%
HK$21,100
baseline
▲ 0.50% · 4.625%
HK$22,384
+HK$1,284/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,200/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,088
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,681
−HK$601/mo
Today · 4.125%
HK$23,282
baseline
▲ 0.50% · 4.625%
HK$24,509
+HK$1,227/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,564/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,826
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,567
−HK$753/mo
Today · 4.125%
HK$25,320
baseline
▲ 0.50% · 4.625%
HK$26,861
+HK$1,541/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,640/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,506
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,217
−HK$721/mo
Today · 4.125%
HK$27,938
baseline
▲ 0.50% · 4.625%
HK$29,411
+HK$1,473/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,876/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,797
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,662
−HK$878/mo
Today · 4.125%
HK$29,540
baseline
▲ 0.50% · 4.625%
HK$31,337
+HK$1,797/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,080/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,924
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,753
−HK$841/mo
Today · 4.125%
HK$32,594
baseline
▲ 0.50% · 4.625%
HK$34,313
+HK$1,719/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,188/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,739
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,851
−HK$1,129/mo
Today · 4.125%
HK$37,980
baseline
▲ 0.50% · 4.625%
HK$40,291
+HK$2,311/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$75,960/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,759
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,825
−HK$1,082/mo
Today · 4.125%
HK$41,907
baseline
▲ 0.50% · 4.625%
HK$44,116
+HK$2,209/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,814/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,220 · 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).