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$19,916
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,536
−HK$629/mo
Today · 4.125%
HK$21,165
baseline
▲ 0.50% · 4.625%
HK$22,453
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,330/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,157
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,751
−HK$603/mo
Today · 4.125%
HK$23,354
baseline
▲ 0.50% · 4.625%
HK$24,585
+HK$1,231/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,708/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,899
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,643
−HK$755/mo
Today · 4.125%
HK$25,398
baseline
▲ 0.50% · 4.625%
HK$26,943
+HK$1,545/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,796/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,588
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,301
−HK$723/mo
Today · 4.125%
HK$28,024
baseline
▲ 0.50% · 4.625%
HK$29,501
+HK$1,477/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,048/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,883
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,750
−HK$881/mo
Today · 4.125%
HK$29,631
baseline
▲ 0.50% · 4.625%
HK$31,434
+HK$1,803/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,262/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,019
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,851
−HK$844/mo
Today · 4.125%
HK$32,695
baseline
▲ 0.50% · 4.625%
HK$34,418
+HK$1,723/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,390/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,849
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,964
−HK$1,133/mo
Today · 4.125%
HK$38,097
baseline
▲ 0.50% · 4.625%
HK$40,415
+HK$2,318/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$76,194/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,882
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,951
−HK$1,085/mo
Today · 4.125%
HK$42,036
baseline
▲ 0.50% · 4.625%
HK$44,252
+HK$2,216/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$84,072/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,025 · 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).