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$19,912
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,531
−HK$630/mo
Today · 4.125%
HK$21,161
baseline
▲ 0.50% · 4.625%
HK$22,448
+HK$1,287/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,322/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,152
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,746
−HK$603/mo
Today · 4.125%
HK$23,349
baseline
▲ 0.50% · 4.625%
HK$24,580
+HK$1,231/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,698/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,894
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,638
−HK$755/mo
Today · 4.125%
HK$25,393
baseline
▲ 0.50% · 4.625%
HK$26,938
+HK$1,545/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,786/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,582
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,295
−HK$724/mo
Today · 4.125%
HK$28,019
baseline
▲ 0.50% · 4.625%
HK$29,495
+HK$1,476/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,038/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,877
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,744
−HK$881/mo
Today · 4.125%
HK$29,625
baseline
▲ 0.50% · 4.625%
HK$31,428
+HK$1,803/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,250/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,013
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,845
−HK$843/mo
Today · 4.125%
HK$32,688
baseline
▲ 0.50% · 4.625%
HK$34,411
+HK$1,723/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,376/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,842
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,957
−HK$1,132/mo
Today · 4.125%
HK$38,089
baseline
▲ 0.50% · 4.625%
HK$40,407
+HK$2,318/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$76,178/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$261,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,874
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,943
−HK$1,085/mo
Today · 4.125%
HK$42,028
baseline
▲ 0.50% · 4.625%
HK$44,243
+HK$2,215/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$84,056/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$261,972 · 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).