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$19,919
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,539
−HK$629/mo
Today · 4.125%
HK$21,168
baseline
▲ 0.50% · 4.625%
HK$22,456
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,336/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,160
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,754
−HK$603/mo
Today · 4.125%
HK$23,357
baseline
▲ 0.50% · 4.625%
HK$24,588
+HK$1,231/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,714/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,903
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,647
−HK$755/mo
Today · 4.125%
HK$25,402
baseline
▲ 0.50% · 4.625%
HK$26,948
+HK$1,546/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,804/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,592
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,305
−HK$724/mo
Today · 4.125%
HK$28,029
baseline
▲ 0.50% · 4.625%
HK$29,506
+HK$1,477/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,058/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,887
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,754
−HK$882/mo
Today · 4.125%
HK$29,636
baseline
▲ 0.50% · 4.625%
HK$31,439
+HK$1,803/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,272/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,024
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,856
−HK$844/mo
Today · 4.125%
HK$32,700
baseline
▲ 0.50% · 4.625%
HK$34,424
+HK$1,724/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,400/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,855
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,970
−HK$1,133/mo
Today · 4.125%
HK$38,103
baseline
▲ 0.50% · 4.625%
HK$40,422
+HK$2,319/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$76,206/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,888
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,958
−HK$1,085/mo
Today · 4.125%
HK$42,043
baseline
▲ 0.50% · 4.625%
HK$44,259
+HK$2,216/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$84,086/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,067 · 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).