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$22,459
+HK$1,288/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$262,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,163
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,757
−HK$603/mo
Today · 4.125%
HK$23,360
baseline
▲ 0.50% · 4.625%
HK$24,592
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,720/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,906
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,650
−HK$755/mo
Today · 4.125%
HK$25,405
baseline
▲ 0.50% · 4.625%
HK$26,951
+HK$1,546/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,810/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,596
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,309
−HK$723/mo
Today · 4.125%
HK$28,032
baseline
▲ 0.50% · 4.625%
HK$29,510
+HK$1,478/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,064/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,891
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,758
−HK$882/mo
Today · 4.125%
HK$29,640
baseline
▲ 0.50% · 4.625%
HK$31,443
+HK$1,803/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$262,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,028
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,860
−HK$845/mo
Today · 4.125%
HK$32,705
baseline
▲ 0.50% · 4.625%
HK$34,428
+HK$1,723/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$262,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,860
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,975
−HK$1,133/mo
Today · 4.125%
HK$38,108
baseline
▲ 0.50% · 4.625%
HK$40,427
+HK$2,319/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$76,216/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,893
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,963
−HK$1,086/mo
Today · 4.125%
HK$42,049
baseline
▲ 0.50% · 4.625%
HK$44,265
+HK$2,216/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$262,102 · 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).