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$19,918
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,538
−HK$629/mo
Today · 4.125%
HK$21,167
baseline
▲ 0.50% · 4.625%
HK$22,455
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,334/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,159
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,753
−HK$603/mo
Today · 4.125%
HK$23,356
baseline
▲ 0.50% · 4.625%
HK$24,587
+HK$1,231/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,712/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,902
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,645
−HK$756/mo
Today · 4.125%
HK$25,401
baseline
▲ 0.50% · 4.625%
HK$26,946
+HK$1,545/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,802/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,591
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,304
−HK$723/mo
Today · 4.125%
HK$28,027
baseline
▲ 0.50% · 4.625%
HK$29,505
+HK$1,478/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,054/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,886
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,753
−HK$881/mo
Today · 4.125%
HK$29,634
baseline
▲ 0.50% · 4.625%
HK$31,437
+HK$1,803/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,268/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,022
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,854
−HK$844/mo
Today · 4.125%
HK$32,698
baseline
▲ 0.50% · 4.625%
HK$34,422
+HK$1,724/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,396/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,853
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,968
−HK$1,133/mo
Today · 4.125%
HK$38,101
baseline
▲ 0.50% · 4.625%
HK$40,419
+HK$2,318/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$76,202/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,886
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,956
−HK$1,085/mo
Today · 4.125%
HK$42,041
baseline
▲ 0.50% · 4.625%
HK$44,257
+HK$2,216/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$84,082/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,053 · 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).