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$19,892
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,511
−HK$628/mo
Today · 4.125%
HK$21,139
baseline
▲ 0.50% · 4.625%
HK$22,426
+HK$1,287/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,278/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,130
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,723
−HK$602/mo
Today · 4.125%
HK$23,325
baseline
▲ 0.50% · 4.625%
HK$24,555
+HK$1,230/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,650/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,870
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,613
−HK$754/mo
Today · 4.125%
HK$25,367
baseline
▲ 0.50% · 4.625%
HK$26,911
+HK$1,544/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,734/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,556
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,268
−HK$722/mo
Today · 4.125%
HK$27,990
baseline
▲ 0.50% · 4.625%
HK$29,466
+HK$1,476/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,980/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,849
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,715
−HK$880/mo
Today · 4.125%
HK$29,595
baseline
▲ 0.50% · 4.625%
HK$31,396
+HK$1,801/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,190/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,982
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,813
−HK$842/mo
Today · 4.125%
HK$32,655
baseline
▲ 0.50% · 4.625%
HK$34,377
+HK$1,722/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,310/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,806
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,919
−HK$1,132/mo
Today · 4.125%
HK$38,051
baseline
▲ 0.50% · 4.625%
HK$40,366
+HK$2,315/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$76,102/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,833
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,902
−HK$1,084/mo
Today · 4.125%
HK$41,986
baseline
▲ 0.50% · 4.625%
HK$44,199
+HK$2,213/mo
Deposit HK$872K · loan HK$7.85M · min. income ≈ HK$83,972/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,709 · 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).