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$19,934
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,554
−HK$630/mo
Today · 4.125%
HK$21,184
baseline
▲ 0.50% · 4.625%
HK$22,473
+HK$1,289/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,368/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,176
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,771
−HK$604/mo
Today · 4.125%
HK$23,375
baseline
▲ 0.50% · 4.625%
HK$24,607
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,750/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,921
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,665
−HK$756/mo
Today · 4.125%
HK$25,421
baseline
▲ 0.50% · 4.625%
HK$26,968
+HK$1,547/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,842/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,612
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,326
−HK$724/mo
Today · 4.125%
HK$28,050
baseline
▲ 0.50% · 4.625%
HK$29,528
+HK$1,478/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,100/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,908
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,776
−HK$882/mo
Today · 4.125%
HK$29,658
baseline
▲ 0.50% · 4.625%
HK$31,462
+HK$1,804/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,316/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,047
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,880
−HK$844/mo
Today · 4.125%
HK$32,724
baseline
▲ 0.50% · 4.625%
HK$34,449
+HK$1,725/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,448/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,881
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,998
−HK$1,133/mo
Today · 4.125%
HK$38,131
baseline
▲ 0.50% · 4.625%
HK$40,452
+HK$2,321/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$76,262/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,918
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,988
−HK$1,086/mo
Today · 4.125%
HK$42,074
baseline
▲ 0.50% · 4.625%
HK$44,292
+HK$2,218/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$84,148/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,262 · 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).