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$19,910
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,530
−HK$629/mo
Today · 4.125%
HK$21,159
baseline
▲ 0.50% · 4.625%
HK$22,446
+HK$1,287/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,318/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,150
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,744
−HK$603/mo
Today · 4.125%
HK$23,347
baseline
▲ 0.50% · 4.625%
HK$24,577
+HK$1,230/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,694/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,892
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,636
−HK$755/mo
Today · 4.125%
HK$25,391
baseline
▲ 0.50% · 4.625%
HK$26,936
+HK$1,545/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,782/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,580
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,293
−HK$723/mo
Today · 4.125%
HK$28,016
baseline
▲ 0.50% · 4.625%
HK$29,493
+HK$1,477/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,032/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,874
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,742
−HK$880/mo
Today · 4.125%
HK$29,622
baseline
▲ 0.50% · 4.625%
HK$31,425
+HK$1,803/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,244/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,010
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,842
−HK$843/mo
Today · 4.125%
HK$32,685
baseline
▲ 0.50% · 4.625%
HK$34,408
+HK$1,723/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,370/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,839
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,953
−HK$1,133/mo
Today · 4.125%
HK$38,086
baseline
▲ 0.50% · 4.625%
HK$40,403
+HK$2,317/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$76,172/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$261,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,870
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,939
−HK$1,085/mo
Today · 4.125%
HK$42,024
baseline
▲ 0.50% · 4.625%
HK$44,239
+HK$2,215/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$84,048/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$261,949 · 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).