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$19,871
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,489
−HK$628/mo
Today · 4.125%
HK$21,117
baseline
▲ 0.50% · 4.625%
HK$22,402
+HK$1,285/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,234/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,106
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,699
−HK$602/mo
Today · 4.125%
HK$23,301
baseline
▲ 0.50% · 4.625%
HK$24,529
+HK$1,228/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,602/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,845
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,587
−HK$753/mo
Today · 4.125%
HK$25,340
baseline
▲ 0.50% · 4.625%
HK$26,882
+HK$1,542/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,680/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,528
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,239
−HK$722/mo
Today · 4.125%
HK$27,961
baseline
▲ 0.50% · 4.625%
HK$29,435
+HK$1,474/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,922/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,819
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,685
−HK$879/mo
Today · 4.125%
HK$29,564
baseline
▲ 0.50% · 4.625%
HK$31,363
+HK$1,799/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,128/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,949
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,779
−HK$842/mo
Today · 4.125%
HK$32,621
baseline
▲ 0.50% · 4.625%
HK$34,340
+HK$1,719/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,242/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,768
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,880
−HK$1,131/mo
Today · 4.125%
HK$38,011
baseline
▲ 0.50% · 4.625%
HK$40,324
+HK$2,313/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$76,022/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,791
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,858
−HK$1,083/mo
Today · 4.125%
HK$41,941
baseline
▲ 0.50% · 4.625%
HK$44,152
+HK$2,211/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,882/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,431 · 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).