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$19,915
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,535
−HK$629/mo
Today · 4.125%
HK$21,164
baseline
▲ 0.50% · 4.625%
HK$22,452
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,328/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,155
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,750
−HK$602/mo
Today · 4.125%
HK$23,352
baseline
▲ 0.50% · 4.625%
HK$24,583
+HK$1,231/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,704/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,898
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,642
−HK$755/mo
Today · 4.125%
HK$25,397
baseline
▲ 0.50% · 4.625%
HK$26,942
+HK$1,545/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,794/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,587
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,300
−HK$723/mo
Today · 4.125%
HK$28,023
baseline
▲ 0.50% · 4.625%
HK$29,500
+HK$1,477/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,046/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,881
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,749
−HK$881/mo
Today · 4.125%
HK$29,630
baseline
▲ 0.50% · 4.625%
HK$31,433
+HK$1,803/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,260/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,018
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,850
−HK$843/mo
Today · 4.125%
HK$32,693
baseline
▲ 0.50% · 4.625%
HK$34,417
+HK$1,724/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,386/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,847
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,962
−HK$1,133/mo
Today · 4.125%
HK$38,095
baseline
▲ 0.50% · 4.625%
HK$40,413
+HK$2,318/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$76,190/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,880
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,949
−HK$1,085/mo
Today · 4.125%
HK$42,034
baseline
▲ 0.50% · 4.625%
HK$44,250
+HK$2,216/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$84,068/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,013 · 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).