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$19,924
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,544
−HK$629/mo
Today · 4.125%
HK$21,173
baseline
▲ 0.50% · 4.625%
HK$22,462
+HK$1,289/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,346/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,165
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,760
−HK$603/mo
Today · 4.125%
HK$23,363
baseline
▲ 0.50% · 4.625%
HK$24,594
+HK$1,231/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$262,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,909
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,652
−HK$756/mo
Today · 4.125%
HK$25,408
baseline
▲ 0.50% · 4.625%
HK$26,954
+HK$1,546/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$50,816/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,598
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,312
−HK$723/mo
Today · 4.125%
HK$28,035
baseline
▲ 0.50% · 4.625%
HK$29,513
+HK$1,478/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$56,070/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,893
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,761
−HK$882/mo
Today · 4.125%
HK$29,643
baseline
▲ 0.50% · 4.625%
HK$31,446
+HK$1,803/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,286/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,031
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,863
−HK$845/mo
Today · 4.125%
HK$32,708
baseline
▲ 0.50% · 4.625%
HK$34,432
+HK$1,724/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,416/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,863
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,979
−HK$1,133/mo
Today · 4.125%
HK$38,112
baseline
▲ 0.50% · 4.625%
HK$40,431
+HK$2,319/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$76,224/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,897
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,967
−HK$1,086/mo
Today · 4.125%
HK$42,053
baseline
▲ 0.50% · 4.625%
HK$44,269
+HK$2,216/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$84,106/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,128 · 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).