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$19,924
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,544
−HK$630/mo
Today · 4.125%
HK$21,174
baseline
▲ 0.50% · 4.625%
HK$22,462
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,348/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,165
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,760
−HK$603/mo
Today · 4.125%
HK$23,363
baseline
▲ 0.50% · 4.625%
HK$24,594
+HK$1,231/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,726/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,909
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,653
−HK$755/mo
Today · 4.125%
HK$25,408
baseline
▲ 0.50% · 4.625%
HK$26,954
+HK$1,546/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$50,816/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,599
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,312
−HK$724/mo
Today · 4.125%
HK$28,036
baseline
▲ 0.50% · 4.625%
HK$29,513
+HK$1,477/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$56,072/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,894
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,761
−HK$882/mo
Today · 4.125%
HK$29,643
baseline
▲ 0.50% · 4.625%
HK$31,447
+HK$1,804/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,286/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,032
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,864
−HK$844/mo
Today · 4.125%
HK$32,708
baseline
▲ 0.50% · 4.625%
HK$34,432
+HK$1,724/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,416/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,863
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,979
−HK$1,133/mo
Today · 4.125%
HK$38,112
baseline
▲ 0.50% · 4.625%
HK$40,432
+HK$2,320/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$76,224/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,898
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,968
−HK$1,085/mo
Today · 4.125%
HK$42,053
baseline
▲ 0.50% · 4.625%
HK$44,270
+HK$2,217/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$84,106/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,131 · 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).