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$1,247/mo
▼ 0.25% · 3.875%
HK$20,513
−HK$628/mo
Today · 4.125%
HK$21,141
baseline
▲ 0.50% · 4.625%
HK$22,428
+HK$1,287/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,282/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,132
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,725
−HK$602/mo
Today · 4.125%
HK$23,327
baseline
▲ 0.50% · 4.625%
HK$24,557
+HK$1,230/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,654/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,873
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,615
−HK$755/mo
Today · 4.125%
HK$25,370
baseline
▲ 0.50% · 4.625%
HK$26,913
+HK$1,543/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$261,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,558
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,270
−HK$723/mo
Today · 4.125%
HK$27,993
baseline
▲ 0.50% · 4.625%
HK$29,468
+HK$1,475/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,986/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,851
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,718
−HK$880/mo
Today · 4.125%
HK$29,598
baseline
▲ 0.50% · 4.625%
HK$31,399
+HK$1,801/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,196/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,984
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,815
−HK$843/mo
Today · 4.125%
HK$32,658
baseline
▲ 0.50% · 4.625%
HK$34,380
+HK$1,722/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,316/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,809
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,923
−HK$1,131/mo
Today · 4.125%
HK$38,054
baseline
▲ 0.50% · 4.625%
HK$40,370
+HK$2,316/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$76,108/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,837
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,905
−HK$1,084/mo
Today · 4.125%
HK$41,989
baseline
▲ 0.50% · 4.625%
HK$44,203
+HK$2,214/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$83,978/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,732 · 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).