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$19,926
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,546
−HK$630/mo
Today · 4.125%
HK$21,176
baseline
▲ 0.50% · 4.625%
HK$22,464
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,352/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,168
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,762
−HK$603/mo
Today · 4.125%
HK$23,365
baseline
▲ 0.50% · 4.625%
HK$24,597
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,730/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,911
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,655
−HK$756/mo
Today · 4.125%
HK$25,411
baseline
▲ 0.50% · 4.625%
HK$26,957
+HK$1,546/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$50,822/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,601
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,315
−HK$723/mo
Today · 4.125%
HK$28,038
baseline
▲ 0.50% · 4.625%
HK$29,516
+HK$1,478/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$56,076/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,897
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,764
−HK$882/mo
Today · 4.125%
HK$29,646
baseline
▲ 0.50% · 4.625%
HK$31,450
+HK$1,804/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,292/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,035
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,867
−HK$844/mo
Today · 4.125%
HK$32,711
baseline
▲ 0.50% · 4.625%
HK$34,436
+HK$1,725/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,422/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,867
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,983
−HK$1,133/mo
Today · 4.125%
HK$38,116
baseline
▲ 0.50% · 4.625%
HK$40,436
+HK$2,320/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$76,232/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,902
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,972
−HK$1,086/mo
Today · 4.125%
HK$42,058
baseline
▲ 0.50% · 4.625%
HK$44,274
+HK$2,216/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$84,116/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,157 · 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).