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$19,925
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,545
−HK$630/mo
Today · 4.125%
HK$21,175
baseline
▲ 0.50% · 4.625%
HK$22,463
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,350/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,167
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,761
−HK$603/mo
Today · 4.125%
HK$23,364
baseline
▲ 0.50% · 4.625%
HK$24,596
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,728/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,910
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,654
−HK$756/mo
Today · 4.125%
HK$25,410
baseline
▲ 0.50% · 4.625%
HK$26,956
+HK$1,546/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$50,820/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,600
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,313
−HK$724/mo
Today · 4.125%
HK$28,037
baseline
▲ 0.50% · 4.625%
HK$29,515
+HK$1,478/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$56,074/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,895
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,763
−HK$882/mo
Today · 4.125%
HK$29,645
baseline
▲ 0.50% · 4.625%
HK$31,448
+HK$1,803/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,290/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,033
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,866
−HK$844/mo
Today · 4.125%
HK$32,710
baseline
▲ 0.50% · 4.625%
HK$34,434
+HK$1,724/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,420/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,865
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,981
−HK$1,133/mo
Today · 4.125%
HK$38,114
baseline
▲ 0.50% · 4.625%
HK$40,434
+HK$2,320/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$76,228/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,900
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,970
−HK$1,086/mo
Today · 4.125%
HK$42,056
baseline
▲ 0.50% · 4.625%
HK$44,272
+HK$2,216/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$84,112/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,145 · 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).