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$19,913
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,533
−HK$629/mo
Today · 4.125%
HK$21,162
baseline
▲ 0.50% · 4.625%
HK$22,450
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,324/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,153
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,747
−HK$603/mo
Today · 4.125%
HK$23,350
baseline
▲ 0.50% · 4.625%
HK$24,581
+HK$1,231/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,700/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,896
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,639
−HK$755/mo
Today · 4.125%
HK$25,394
baseline
▲ 0.50% · 4.625%
HK$26,940
+HK$1,546/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,788/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$261,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,584
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,297
−HK$723/mo
Today · 4.125%
HK$28,020
baseline
▲ 0.50% · 4.625%
HK$29,497
+HK$1,477/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,040/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$261,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,879
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,746
−HK$881/mo
Today · 4.125%
HK$29,627
baseline
▲ 0.50% · 4.625%
HK$31,430
+HK$1,803/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,254/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,015
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,846
−HK$844/mo
Today · 4.125%
HK$32,690
baseline
▲ 0.50% · 4.625%
HK$34,413
+HK$1,723/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,380/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,844
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,959
−HK$1,133/mo
Today · 4.125%
HK$38,092
baseline
▲ 0.50% · 4.625%
HK$40,409
+HK$2,317/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$76,184/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$261,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,876
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,945
−HK$1,085/mo
Today · 4.125%
HK$42,030
baseline
▲ 0.50% · 4.625%
HK$44,246
+HK$2,216/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$84,060/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$261,988 · 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).