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$1,249/mo
▼ 0.25% · 3.875%
HK$20,549
−HK$630/mo
Today · 4.125%
HK$21,179
baseline
▲ 0.50% · 4.625%
HK$22,468
+HK$1,289/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$262,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,171
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,766
−HK$603/mo
Today · 4.125%
HK$23,369
baseline
▲ 0.50% · 4.625%
HK$24,601
+HK$1,232/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$262,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,915
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,659
−HK$756/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$262,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,606
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,319
−HK$724/mo
Today · 4.125%
HK$28,043
baseline
▲ 0.50% · 4.625%
HK$29,521
+HK$1,478/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$262,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,901
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,769
−HK$882/mo
Today · 4.125%
HK$29,651
baseline
▲ 0.50% · 4.625%
HK$31,455
+HK$1,804/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$262,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,040
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,872
−HK$845/mo
Today · 4.125%
HK$32,717
baseline
▲ 0.50% · 4.625%
HK$34,441
+HK$1,724/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$262,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,873
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,989
−HK$1,134/mo
Today · 4.125%
HK$38,123
baseline
▲ 0.50% · 4.625%
HK$40,442
+HK$2,319/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$262,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,908
−HK$2,157/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$262,201 · 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).