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$19,915
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,534
−HK$630/mo
Today · 4.125%
HK$21,164
baseline
▲ 0.50% · 4.625%
HK$22,451
+HK$1,287/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,328/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,155
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,749
−HK$603/mo
Today · 4.125%
HK$23,352
baseline
▲ 0.50% · 4.625%
HK$24,583
+HK$1,231/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,704/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,898
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,641
−HK$755/mo
Today · 4.125%
HK$25,396
baseline
▲ 0.50% · 4.625%
HK$26,942
+HK$1,546/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,792/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,586
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,299
−HK$723/mo
Today · 4.125%
HK$28,022
baseline
▲ 0.50% · 4.625%
HK$29,499
+HK$1,477/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,044/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,881
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,748
−HK$881/mo
Today · 4.125%
HK$29,629
baseline
▲ 0.50% · 4.625%
HK$31,432
+HK$1,803/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,258/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,017
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,849
−HK$844/mo
Today · 4.125%
HK$32,693
baseline
▲ 0.50% · 4.625%
HK$34,416
+HK$1,723/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,386/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,847
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,962
−HK$1,132/mo
Today · 4.125%
HK$38,094
baseline
▲ 0.50% · 4.625%
HK$40,412
+HK$2,318/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$76,188/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,879
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,948
−HK$1,085/mo
Today · 4.125%
HK$42,033
baseline
▲ 0.50% · 4.625%
HK$44,249
+HK$2,216/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$84,066/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,007 · 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).