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$19,929
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,549
−HK$630/mo
Today · 4.125%
HK$21,179
baseline
▲ 0.50% · 4.625%
HK$22,467
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,358/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,171
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,765
−HK$604/mo
Today · 4.125%
HK$23,369
baseline
▲ 0.50% · 4.625%
HK$24,600
+HK$1,231/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,738/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,915
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,659
−HK$755/mo
Today · 4.125%
HK$25,414
baseline
▲ 0.50% · 4.625%
HK$26,961
+HK$1,547/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$50,828/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,605
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,318
−HK$724/mo
Today · 4.125%
HK$28,042
baseline
▲ 0.50% · 4.625%
HK$29,520
+HK$1,478/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$56,084/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,900
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,768
−HK$882/mo
Today · 4.125%
HK$29,650
baseline
▲ 0.50% · 4.625%
HK$31,454
+HK$1,804/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,300/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,039
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,871
−HK$845/mo
Today · 4.125%
HK$32,716
baseline
▲ 0.50% · 4.625%
HK$34,440
+HK$1,724/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,432/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,872
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,988
−HK$1,134/mo
Today · 4.125%
HK$38,122
baseline
▲ 0.50% · 4.625%
HK$40,441
+HK$2,319/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$76,244/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,907
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,978
−HK$1,085/mo
Today · 4.125%
HK$42,063
baseline
▲ 0.50% · 4.625%
HK$44,281
+HK$2,218/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$84,126/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,193 · 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).