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$19,923
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,543
−HK$629/mo
Today · 4.125%
HK$21,172
baseline
▲ 0.50% · 4.625%
HK$22,461
+HK$1,289/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,344/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,164
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,758
−HK$603/mo
Today · 4.125%
HK$23,361
baseline
▲ 0.50% · 4.625%
HK$24,593
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,722/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,907
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,651
−HK$756/mo
Today · 4.125%
HK$25,407
baseline
▲ 0.50% · 4.625%
HK$26,953
+HK$1,546/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,814/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,597
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,310
−HK$724/mo
Today · 4.125%
HK$28,034
baseline
▲ 0.50% · 4.625%
HK$29,511
+HK$1,477/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,068/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,892
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,760
−HK$881/mo
Today · 4.125%
HK$29,641
baseline
▲ 0.50% · 4.625%
HK$31,445
+HK$1,804/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,282/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,030
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,862
−HK$844/mo
Today · 4.125%
HK$32,706
baseline
▲ 0.50% · 4.625%
HK$34,430
+HK$1,724/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,412/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,861
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,977
−HK$1,133/mo
Today · 4.125%
HK$38,110
baseline
▲ 0.50% · 4.625%
HK$40,429
+HK$2,319/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$76,220/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,895
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,965
−HK$1,086/mo
Today · 4.125%
HK$42,051
baseline
▲ 0.50% · 4.625%
HK$44,267
+HK$2,216/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$84,102/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,114 · 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).