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$19,923
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,542
−HK$630/mo
Today · 4.125%
HK$21,172
baseline
▲ 0.50% · 4.625%
HK$22,460
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,344/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,164
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,758
−HK$603/mo
Today · 4.125%
HK$23,361
baseline
▲ 0.50% · 4.625%
HK$24,593
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,722/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,907
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,651
−HK$755/mo
Today · 4.125%
HK$25,406
baseline
▲ 0.50% · 4.625%
HK$26,952
+HK$1,546/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,812/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,596
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,310
−HK$723/mo
Today · 4.125%
HK$28,033
baseline
▲ 0.50% · 4.625%
HK$29,511
+HK$1,478/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,066/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,892
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,759
−HK$882/mo
Today · 4.125%
HK$29,641
baseline
▲ 0.50% · 4.625%
HK$31,444
+HK$1,803/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,282/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,029
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,861
−HK$845/mo
Today · 4.125%
HK$32,706
baseline
▲ 0.50% · 4.625%
HK$34,430
+HK$1,724/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,412/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,861
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,976
−HK$1,133/mo
Today · 4.125%
HK$38,109
baseline
▲ 0.50% · 4.625%
HK$40,428
+HK$2,319/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$76,218/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,895
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,965
−HK$1,085/mo
Today · 4.125%
HK$42,050
baseline
▲ 0.50% · 4.625%
HK$44,267
+HK$2,217/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$84,100/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,111 · 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).