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$19,925
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,544
−HK$630/mo
Today · 4.125%
HK$21,174
baseline
▲ 0.50% · 4.625%
HK$22,462
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,348/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,166
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,760
−HK$603/mo
Today · 4.125%
HK$23,363
baseline
▲ 0.50% · 4.625%
HK$24,595
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,726/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,909
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,653
−HK$756/mo
Today · 4.125%
HK$25,409
baseline
▲ 0.50% · 4.625%
HK$26,955
+HK$1,546/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$50,818/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,599
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,312
−HK$724/mo
Today · 4.125%
HK$28,036
baseline
▲ 0.50% · 4.625%
HK$29,514
+HK$1,478/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$56,072/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,894
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,762
−HK$882/mo
Today · 4.125%
HK$29,644
baseline
▲ 0.50% · 4.625%
HK$31,447
+HK$1,803/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,288/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,032
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,865
−HK$844/mo
Today · 4.125%
HK$32,709
baseline
▲ 0.50% · 4.625%
HK$34,433
+HK$1,724/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,418/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,864
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,980
−HK$1,133/mo
Today · 4.125%
HK$38,113
baseline
▲ 0.50% · 4.625%
HK$40,432
+HK$2,319/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$76,226/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,899
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,969
−HK$1,085/mo
Today · 4.125%
HK$42,054
baseline
▲ 0.50% · 4.625%
HK$44,271
+HK$2,217/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$84,108/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,136 · 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).