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$19,930
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,550
−HK$630/mo
Today · 4.125%
HK$21,180
baseline
▲ 0.50% · 4.625%
HK$22,469
+HK$1,289/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,360/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,172
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,767
−HK$603/mo
Today · 4.125%
HK$23,370
baseline
▲ 0.50% · 4.625%
HK$24,602
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,740/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,917
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,661
−HK$755/mo
Today · 4.125%
HK$25,416
baseline
▲ 0.50% · 4.625%
HK$26,963
+HK$1,547/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$50,832/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,607
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,321
−HK$723/mo
Today · 4.125%
HK$28,044
baseline
▲ 0.50% · 4.625%
HK$29,523
+HK$1,479/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$56,088/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,903
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,771
−HK$881/mo
Today · 4.125%
HK$29,652
baseline
▲ 0.50% · 4.625%
HK$31,457
+HK$1,805/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,304/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,041
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,874
−HK$844/mo
Today · 4.125%
HK$32,718
baseline
▲ 0.50% · 4.625%
HK$34,443
+HK$1,725/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,436/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,875
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,991
−HK$1,134/mo
Today · 4.125%
HK$38,125
baseline
▲ 0.50% · 4.625%
HK$40,444
+HK$2,319/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$76,250/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,910
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,981
−HK$1,086/mo
Today · 4.125%
HK$42,067
baseline
▲ 0.50% · 4.625%
HK$44,284
+HK$2,217/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$84,134/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,214 · 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).