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$19,906
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,526
−HK$629/mo
Today · 4.125%
HK$21,155
baseline
▲ 0.50% · 4.625%
HK$22,442
+HK$1,287/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,310/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,146
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,740
−HK$602/mo
Today · 4.125%
HK$23,342
baseline
▲ 0.50% · 4.625%
HK$24,573
+HK$1,231/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,684/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,888
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,631
−HK$755/mo
Today · 4.125%
HK$25,386
baseline
▲ 0.50% · 4.625%
HK$26,930
+HK$1,544/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,772/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,575
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,288
−HK$723/mo
Today · 4.125%
HK$28,011
baseline
▲ 0.50% · 4.625%
HK$29,487
+HK$1,476/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,022/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,869
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,736
−HK$881/mo
Today · 4.125%
HK$29,617
baseline
▲ 0.50% · 4.625%
HK$31,419
+HK$1,802/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,234/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,004
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,836
−HK$843/mo
Today · 4.125%
HK$32,679
baseline
▲ 0.50% · 4.625%
HK$34,402
+HK$1,723/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,358/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,832
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,946
−HK$1,133/mo
Today · 4.125%
HK$38,079
baseline
▲ 0.50% · 4.625%
HK$40,396
+HK$2,317/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$76,158/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,862
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,931
−HK$1,085/mo
Today · 4.125%
HK$42,016
baseline
▲ 0.50% · 4.625%
HK$44,231
+HK$2,215/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$84,032/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,899 · 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).