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$19,905
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,524
−HK$629/mo
Today · 4.125%
HK$21,153
baseline
▲ 0.50% · 4.625%
HK$22,440
+HK$1,287/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,306/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,144
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,737
−HK$603/mo
Today · 4.125%
HK$23,340
baseline
▲ 0.50% · 4.625%
HK$24,570
+HK$1,230/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,680/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,885
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,628
−HK$755/mo
Today · 4.125%
HK$25,383
baseline
▲ 0.50% · 4.625%
HK$26,928
+HK$1,545/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,766/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,572
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,285
−HK$723/mo
Today · 4.125%
HK$28,008
baseline
▲ 0.50% · 4.625%
HK$29,484
+HK$1,476/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,016/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,866
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,733
−HK$881/mo
Today · 4.125%
HK$29,614
baseline
▲ 0.50% · 4.625%
HK$31,416
+HK$1,802/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,228/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,001
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,832
−HK$844/mo
Today · 4.125%
HK$32,676
baseline
▲ 0.50% · 4.625%
HK$34,398
+HK$1,722/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,352/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,828
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,943
−HK$1,132/mo
Today · 4.125%
HK$38,075
baseline
▲ 0.50% · 4.625%
HK$40,392
+HK$2,317/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$76,150/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,858
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,927
−HK$1,085/mo
Today · 4.125%
HK$42,012
baseline
▲ 0.50% · 4.625%
HK$44,226
+HK$2,214/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$84,024/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,873 · 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).