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$19,873
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,491
−HK$628/mo
Today · 4.125%
HK$21,119
baseline
▲ 0.50% · 4.625%
HK$22,404
+HK$1,285/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,238/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,108
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,701
−HK$601/mo
Today · 4.125%
HK$23,302
baseline
▲ 0.50% · 4.625%
HK$24,531
+HK$1,229/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,604/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,847
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,589
−HK$753/mo
Today · 4.125%
HK$25,342
baseline
▲ 0.50% · 4.625%
HK$26,884
+HK$1,542/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,684/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,530
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,241
−HK$722/mo
Today · 4.125%
HK$27,963
baseline
▲ 0.50% · 4.625%
HK$29,437
+HK$1,474/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,926/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,822
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,687
−HK$879/mo
Today · 4.125%
HK$29,566
baseline
▲ 0.50% · 4.625%
HK$31,365
+HK$1,799/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,132/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,951
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,781
−HK$842/mo
Today · 4.125%
HK$32,623
baseline
▲ 0.50% · 4.625%
HK$34,343
+HK$1,720/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,246/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,771
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,883
−HK$1,131/mo
Today · 4.125%
HK$38,014
baseline
▲ 0.50% · 4.625%
HK$40,327
+HK$2,313/mo
Deposit HK$872K · loan HK$7.84M · min. income ≈ HK$76,028/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,794
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,862
−HK$1,082/mo
Today · 4.125%
HK$41,944
baseline
▲ 0.50% · 4.625%
HK$44,155
+HK$2,211/mo
Deposit HK$872K · loan HK$7.84M · min. income ≈ HK$83,888/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,452 · 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).