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$19,878
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,496
−HK$628/mo
Today · 4.125%
HK$21,124
baseline
▲ 0.50% · 4.625%
HK$22,409
+HK$1,285/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,248/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,114
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,707
−HK$601/mo
Today · 4.125%
HK$23,308
baseline
▲ 0.50% · 4.625%
HK$24,537
+HK$1,229/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,616/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,853
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,595
−HK$754/mo
Today · 4.125%
HK$25,349
baseline
▲ 0.50% · 4.625%
HK$26,891
+HK$1,542/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,698/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,536
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,248
−HK$722/mo
Today · 4.125%
HK$27,970
baseline
▲ 0.50% · 4.625%
HK$29,444
+HK$1,474/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,940/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,829
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,694
−HK$880/mo
Today · 4.125%
HK$29,574
baseline
▲ 0.50% · 4.625%
HK$31,373
+HK$1,799/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$59,148/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,959
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,789
−HK$843/mo
Today · 4.125%
HK$32,632
baseline
▲ 0.50% · 4.625%
HK$34,352
+HK$1,720/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$65,264/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,780
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,892
−HK$1,131/mo
Today · 4.125%
HK$38,023
baseline
▲ 0.50% · 4.625%
HK$40,337
+HK$2,314/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$76,046/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,804
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,872
−HK$1,083/mo
Today · 4.125%
HK$41,955
baseline
▲ 0.50% · 4.625%
HK$44,166
+HK$2,211/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$83,910/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,517 · 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).