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$19,898
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,516
−HK$629/mo
Today · 4.125%
HK$21,145
baseline
▲ 0.50% · 4.625%
HK$22,432
+HK$1,287/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$261,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,136
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,729
−HK$603/mo
Today · 4.125%
HK$23,332
baseline
▲ 0.50% · 4.625%
HK$24,562
+HK$1,230/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,664/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,877
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,620
−HK$754/mo
Today · 4.125%
HK$25,374
baseline
▲ 0.50% · 4.625%
HK$26,918
+HK$1,544/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$261,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,563
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,275
−HK$723/mo
Today · 4.125%
HK$27,998
baseline
▲ 0.50% · 4.625%
HK$29,474
+HK$1,476/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$55,996/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,857
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,723
−HK$880/mo
Today · 4.125%
HK$29,603
baseline
▲ 0.50% · 4.625%
HK$31,405
+HK$1,802/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,206/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,990
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,821
−HK$843/mo
Today · 4.125%
HK$32,664
baseline
▲ 0.50% · 4.625%
HK$34,386
+HK$1,722/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,328/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,816
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,930
−HK$1,132/mo
Today · 4.125%
HK$38,062
baseline
▲ 0.50% · 4.625%
HK$40,377
+HK$2,315/mo
Deposit HK$873K · loan HK$7.85M · min. income ≈ HK$76,124/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,844
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,913
−HK$1,084/mo
Today · 4.125%
HK$41,997
baseline
▲ 0.50% · 4.625%
HK$44,211
+HK$2,214/mo
Deposit HK$873K · loan HK$7.85M · min. income ≈ HK$83,994/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,781 · 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).