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$19,922
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,542
−HK$629/mo
Today · 4.125%
HK$21,171
baseline
▲ 0.50% · 4.625%
HK$22,460
+HK$1,289/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,342/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,163
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,758
−HK$603/mo
Today · 4.125%
HK$23,361
baseline
▲ 0.50% · 4.625%
HK$24,592
+HK$1,231/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$262,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,907
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,650
−HK$756/mo
Today · 4.125%
HK$25,406
baseline
▲ 0.50% · 4.625%
HK$26,952
+HK$1,546/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,812/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,596
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,309
−HK$724/mo
Today · 4.125%
HK$28,033
baseline
▲ 0.50% · 4.625%
HK$29,510
+HK$1,477/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,066/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,891
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,759
−HK$881/mo
Today · 4.125%
HK$29,640
baseline
▲ 0.50% · 4.625%
HK$31,444
+HK$1,804/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,280/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,029
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,861
−HK$844/mo
Today · 4.125%
HK$32,705
baseline
▲ 0.50% · 4.625%
HK$34,429
+HK$1,724/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,410/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,860
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,975
−HK$1,134/mo
Today · 4.125%
HK$38,109
baseline
▲ 0.50% · 4.625%
HK$40,428
+HK$2,319/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$76,218/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,894
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,964
−HK$1,085/mo
Today · 4.125%
HK$42,049
baseline
▲ 0.50% · 4.625%
HK$44,266
+HK$2,217/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$84,098/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,105 · 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).