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$19,928
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,548
−HK$630/mo
Today · 4.125%
HK$21,178
baseline
▲ 0.50% · 4.625%
HK$22,466
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,356/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,170
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,764
−HK$603/mo
Today · 4.125%
HK$23,367
baseline
▲ 0.50% · 4.625%
HK$24,599
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,734/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,914
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,657
−HK$756/mo
Today · 4.125%
HK$25,413
baseline
▲ 0.50% · 4.625%
HK$26,959
+HK$1,546/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$50,826/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,604
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,317
−HK$724/mo
Today · 4.125%
HK$28,041
baseline
▲ 0.50% · 4.625%
HK$29,519
+HK$1,478/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$56,082/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,899
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,767
−HK$882/mo
Today · 4.125%
HK$29,649
baseline
▲ 0.50% · 4.625%
HK$31,453
+HK$1,804/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,298/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,037
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,870
−HK$844/mo
Today · 4.125%
HK$32,714
baseline
▲ 0.50% · 4.625%
HK$34,439
+HK$1,725/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,428/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,870
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,986
−HK$1,134/mo
Today · 4.125%
HK$38,120
baseline
▲ 0.50% · 4.625%
HK$40,439
+HK$2,319/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$76,240/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,905
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,976
−HK$1,085/mo
Today · 4.125%
HK$42,061
baseline
▲ 0.50% · 4.625%
HK$44,278
+HK$2,217/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$84,122/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,181 · 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).