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$19,927
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,547
−HK$630/mo
Today · 4.125%
HK$21,177
baseline
▲ 0.50% · 4.625%
HK$22,466
+HK$1,289/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,354/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,169
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,764
−HK$603/mo
Today · 4.125%
HK$23,367
baseline
▲ 0.50% · 4.625%
HK$24,598
+HK$1,231/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,734/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,913
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,657
−HK$755/mo
Today · 4.125%
HK$25,412
baseline
▲ 0.50% · 4.625%
HK$26,959
+HK$1,547/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$50,824/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,603
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,316
−HK$724/mo
Today · 4.125%
HK$28,040
baseline
▲ 0.50% · 4.625%
HK$29,518
+HK$1,478/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$56,080/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,898
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,766
−HK$882/mo
Today · 4.125%
HK$29,648
baseline
▲ 0.50% · 4.625%
HK$31,452
+HK$1,804/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,296/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,037
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,869
−HK$844/mo
Today · 4.125%
HK$32,713
baseline
▲ 0.50% · 4.625%
HK$34,438
+HK$1,725/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,426/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,869
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,985
−HK$1,134/mo
Today · 4.125%
HK$38,119
baseline
▲ 0.50% · 4.625%
HK$40,438
+HK$2,319/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$76,238/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,904
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,974
−HK$1,086/mo
Today · 4.125%
HK$42,060
baseline
▲ 0.50% · 4.625%
HK$44,277
+HK$2,217/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$84,120/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,174 · 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).