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$19,933
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,553
−HK$630/mo
Today · 4.125%
HK$21,183
baseline
▲ 0.50% · 4.625%
HK$22,472
+HK$1,289/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,366/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,175
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,770
−HK$603/mo
Today · 4.125%
HK$23,373
baseline
▲ 0.50% · 4.625%
HK$24,605
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,746/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,919
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,664
−HK$755/mo
Today · 4.125%
HK$25,419
baseline
▲ 0.50% · 4.625%
HK$26,966
+HK$1,547/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$50,838/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,610
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,324
−HK$724/mo
Today · 4.125%
HK$28,048
baseline
▲ 0.50% · 4.625%
HK$29,526
+HK$1,478/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$56,096/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,906
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,774
−HK$882/mo
Today · 4.125%
HK$29,656
baseline
▲ 0.50% · 4.625%
HK$31,461
+HK$1,805/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,312/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,045
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,878
−HK$845/mo
Today · 4.125%
HK$32,723
baseline
▲ 0.50% · 4.625%
HK$34,447
+HK$1,724/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,446/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,879
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,995
−HK$1,134/mo
Today · 4.125%
HK$38,129
baseline
▲ 0.50% · 4.625%
HK$40,449
+HK$2,320/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$76,258/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,915
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,986
−HK$1,086/mo
Today · 4.125%
HK$42,072
baseline
▲ 0.50% · 4.625%
HK$44,289
+HK$2,217/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$84,144/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,246 · 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).