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$19,894
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,513
−HK$629/mo
Today · 4.125%
HK$21,142
baseline
▲ 0.50% · 4.625%
HK$22,428
+HK$1,286/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,284/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,132
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,726
−HK$602/mo
Today · 4.125%
HK$23,328
baseline
▲ 0.50% · 4.625%
HK$24,558
+HK$1,230/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,656/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,873
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,616
−HK$754/mo
Today · 4.125%
HK$25,370
baseline
▲ 0.50% · 4.625%
HK$26,914
+HK$1,544/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,740/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,559
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,271
−HK$723/mo
Today · 4.125%
HK$27,994
baseline
▲ 0.50% · 4.625%
HK$29,469
+HK$1,475/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,988/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,852
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,719
−HK$880/mo
Today · 4.125%
HK$29,599
baseline
▲ 0.50% · 4.625%
HK$31,400
+HK$1,801/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,198/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,985
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,816
−HK$843/mo
Today · 4.125%
HK$32,659
baseline
▲ 0.50% · 4.625%
HK$34,381
+HK$1,722/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,318/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,810
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,924
−HK$1,132/mo
Today · 4.125%
HK$38,056
baseline
▲ 0.50% · 4.625%
HK$40,371
+HK$2,315/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$76,112/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,838
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,907
−HK$1,084/mo
Today · 4.125%
HK$41,991
baseline
▲ 0.50% · 4.625%
HK$44,204
+HK$2,213/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$83,982/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,740 · 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).