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$20,545
−HK$629/mo
Today · 4.125%
HK$21,174
baseline
▲ 0.50% · 4.625%
HK$22,463
+HK$1,289/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$262,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,166
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,761
−HK$603/mo
Today · 4.125%
HK$23,364
baseline
▲ 0.50% · 4.625%
HK$24,595
+HK$1,231/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,728/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,910
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,654
−HK$755/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$262,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,599
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,313
−HK$724/mo
Today · 4.125%
HK$28,037
baseline
▲ 0.50% · 4.625%
HK$29,514
+HK$1,477/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$56,074/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,895
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,762
−HK$882/mo
Today · 4.125%
HK$29,644
baseline
▲ 0.50% · 4.625%
HK$31,448
+HK$1,804/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$262,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,033
−HK$1,676/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$262,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,865
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,980
−HK$1,134/mo
Today · 4.125%
HK$38,114
baseline
▲ 0.50% · 4.625%
HK$40,433
+HK$2,319/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$76,228/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,899
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,969
−HK$1,086/mo
Today · 4.125%
HK$42,055
baseline
▲ 0.50% · 4.625%
HK$44,272
+HK$2,217/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$84,110/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,140 · 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).