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$19,904
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,523
−HK$629/mo
Today · 4.125%
HK$21,152
baseline
▲ 0.50% · 4.625%
HK$22,439
+HK$1,287/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,304/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,143
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,737
−HK$602/mo
Today · 4.125%
HK$23,339
baseline
▲ 0.50% · 4.625%
HK$24,569
+HK$1,230/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,678/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,885
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,628
−HK$754/mo
Today · 4.125%
HK$25,382
baseline
▲ 0.50% · 4.625%
HK$26,927
+HK$1,545/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,764/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,571
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,284
−HK$723/mo
Today · 4.125%
HK$28,007
baseline
▲ 0.50% · 4.625%
HK$29,483
+HK$1,476/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,014/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,865
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,732
−HK$881/mo
Today · 4.125%
HK$29,613
baseline
▲ 0.50% · 4.625%
HK$31,415
+HK$1,802/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,226/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,000
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,831
−HK$844/mo
Today · 4.125%
HK$32,675
baseline
▲ 0.50% · 4.625%
HK$34,397
+HK$1,722/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,350/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,827
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,941
−HK$1,133/mo
Today · 4.125%
HK$38,074
baseline
▲ 0.50% · 4.625%
HK$40,390
+HK$2,316/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$76,148/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,857
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,926
−HK$1,084/mo
Today · 4.125%
HK$42,010
baseline
▲ 0.50% · 4.625%
HK$44,225
+HK$2,215/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$84,020/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,863 · 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).