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$19,934
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,554
−HK$630/mo
Today · 4.125%
HK$21,184
baseline
▲ 0.50% · 4.625%
HK$22,473
+HK$1,289/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,368/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,176
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,771
−HK$603/mo
Today · 4.125%
HK$23,374
baseline
▲ 0.50% · 4.625%
HK$24,606
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,748/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,920
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,664
−HK$756/mo
Today · 4.125%
HK$25,420
baseline
▲ 0.50% · 4.625%
HK$26,967
+HK$1,547/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,840/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,611
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,325
−HK$724/mo
Today · 4.125%
HK$28,049
baseline
▲ 0.50% · 4.625%
HK$29,527
+HK$1,478/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,098/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,907
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,775
−HK$882/mo
Today · 4.125%
HK$29,657
baseline
▲ 0.50% · 4.625%
HK$31,462
+HK$1,805/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,314/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,046
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,879
−HK$845/mo
Today · 4.125%
HK$32,724
baseline
▲ 0.50% · 4.625%
HK$34,449
+HK$1,725/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,448/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,880
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,997
−HK$1,133/mo
Today · 4.125%
HK$38,130
baseline
▲ 0.50% · 4.625%
HK$40,451
+HK$2,321/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$76,260/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,917
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,987
−HK$1,086/mo
Today · 4.125%
HK$42,073
baseline
▲ 0.50% · 4.625%
HK$44,291
+HK$2,218/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$84,146/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,255 · 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).