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$19,930
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,550
−HK$630/mo
Today · 4.125%
HK$21,180
baseline
▲ 0.50% · 4.625%
HK$22,468
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,360/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,172
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,766
−HK$604/mo
Today · 4.125%
HK$23,370
baseline
▲ 0.50% · 4.625%
HK$24,601
+HK$1,231/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,740/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,916
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,660
−HK$755/mo
Today · 4.125%
HK$25,415
baseline
▲ 0.50% · 4.625%
HK$26,962
+HK$1,547/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$50,830/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,606
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,320
−HK$723/mo
Today · 4.125%
HK$28,043
baseline
▲ 0.50% · 4.625%
HK$29,522
+HK$1,479/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$56,086/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,902
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,770
−HK$881/mo
Today · 4.125%
HK$29,651
baseline
▲ 0.50% · 4.625%
HK$31,456
+HK$1,805/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,302/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,040
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,873
−HK$844/mo
Today · 4.125%
HK$32,717
baseline
▲ 0.50% · 4.625%
HK$34,442
+HK$1,725/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,434/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,874
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,989
−HK$1,134/mo
Today · 4.125%
HK$38,123
baseline
▲ 0.50% · 4.625%
HK$40,443
+HK$2,320/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$76,246/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,909
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,979
−HK$1,086/mo
Today · 4.125%
HK$42,065
baseline
▲ 0.50% · 4.625%
HK$44,282
+HK$2,217/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$84,130/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,205 · 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).