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$19,879
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,497
−HK$628/mo
Today · 4.125%
HK$21,125
baseline
▲ 0.50% · 4.625%
HK$22,411
+HK$1,286/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,250/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,115
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,708
−HK$602/mo
Today · 4.125%
HK$23,310
baseline
▲ 0.50% · 4.625%
HK$24,538
+HK$1,228/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,620/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,854
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,596
−HK$754/mo
Today · 4.125%
HK$25,350
baseline
▲ 0.50% · 4.625%
HK$26,893
+HK$1,543/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,700/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,538
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,250
−HK$722/mo
Today · 4.125%
HK$27,972
baseline
▲ 0.50% · 4.625%
HK$29,446
+HK$1,474/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,944/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,830
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,696
−HK$879/mo
Today · 4.125%
HK$29,575
baseline
▲ 0.50% · 4.625%
HK$31,375
+HK$1,800/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$59,150/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,961
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,791
−HK$843/mo
Today · 4.125%
HK$32,634
baseline
▲ 0.50% · 4.625%
HK$34,354
+HK$1,720/mo
Deposit HK$2.62M · loan HK$6.10M · min. income ≈ HK$65,268/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,782
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,895
−HK$1,130/mo
Today · 4.125%
HK$38,025
baseline
▲ 0.50% · 4.625%
HK$40,339
+HK$2,314/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$76,050/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,807
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,874
−HK$1,083/mo
Today · 4.125%
HK$41,957
baseline
▲ 0.50% · 4.625%
HK$44,169
+HK$2,212/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$83,914/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,533 · 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).