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$19,920
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,539
−HK$630/mo
Today · 4.125%
HK$21,169
baseline
▲ 0.50% · 4.625%
HK$22,457
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,338/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,160
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,755
−HK$603/mo
Today · 4.125%
HK$23,358
baseline
▲ 0.50% · 4.625%
HK$24,589
+HK$1,231/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,716/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,904
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,647
−HK$756/mo
Today · 4.125%
HK$25,403
baseline
▲ 0.50% · 4.625%
HK$26,948
+HK$1,545/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,806/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,593
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,306
−HK$723/mo
Today · 4.125%
HK$28,029
baseline
▲ 0.50% · 4.625%
HK$29,507
+HK$1,478/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,058/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,888
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,755
−HK$881/mo
Today · 4.125%
HK$29,636
baseline
▲ 0.50% · 4.625%
HK$31,440
+HK$1,804/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,272/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,025
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,857
−HK$844/mo
Today · 4.125%
HK$32,701
baseline
▲ 0.50% · 4.625%
HK$34,424
+HK$1,723/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,402/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,855
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,971
−HK$1,133/mo
Today · 4.125%
HK$38,104
baseline
▲ 0.50% · 4.625%
HK$40,422
+HK$2,318/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$76,208/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,889
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,959
−HK$1,085/mo
Today · 4.125%
HK$42,044
baseline
▲ 0.50% · 4.625%
HK$44,260
+HK$2,216/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$84,088/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,072 · 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).