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$19,916
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,535
−HK$630/mo
Today · 4.125%
HK$21,165
baseline
▲ 0.50% · 4.625%
HK$22,452
+HK$1,287/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,330/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,156
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,750
−HK$603/mo
Today · 4.125%
HK$23,353
baseline
▲ 0.50% · 4.625%
HK$24,584
+HK$1,231/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,706/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,899
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,642
−HK$755/mo
Today · 4.125%
HK$25,397
baseline
▲ 0.50% · 4.625%
HK$26,943
+HK$1,546/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,794/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,587
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,300
−HK$724/mo
Today · 4.125%
HK$28,024
baseline
▲ 0.50% · 4.625%
HK$29,501
+HK$1,477/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,048/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,882
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,749
−HK$881/mo
Today · 4.125%
HK$29,630
baseline
▲ 0.50% · 4.625%
HK$31,433
+HK$1,803/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,260/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,018
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,850
−HK$844/mo
Today · 4.125%
HK$32,694
baseline
▲ 0.50% · 4.625%
HK$34,417
+HK$1,723/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,388/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,848
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,963
−HK$1,133/mo
Today · 4.125%
HK$38,096
baseline
▲ 0.50% · 4.625%
HK$40,414
+HK$2,318/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$76,192/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,881
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,950
−HK$1,085/mo
Today · 4.125%
HK$42,035
baseline
▲ 0.50% · 4.625%
HK$44,251
+HK$2,216/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$84,070/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,019 · 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).