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$19,913
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,532
−HK$629/mo
Today · 4.125%
HK$21,161
baseline
▲ 0.50% · 4.625%
HK$22,449
+HK$1,288/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$261,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,153
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,747
−HK$602/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$261,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,895
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,638
−HK$756/mo
Today · 4.125%
HK$25,394
baseline
▲ 0.50% · 4.625%
HK$26,939
+HK$1,545/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,788/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$261,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,583
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,296
−HK$723/mo
Today · 4.125%
HK$28,019
baseline
▲ 0.50% · 4.625%
HK$29,496
+HK$1,477/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,038/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$261,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,878
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,745
−HK$881/mo
Today · 4.125%
HK$29,626
baseline
▲ 0.50% · 4.625%
HK$31,428
+HK$1,802/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,252/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,014
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,845
−HK$844/mo
Today · 4.125%
HK$32,689
baseline
▲ 0.50% · 4.625%
HK$34,412
+HK$1,723/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,378/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,843
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,958
−HK$1,132/mo
Today · 4.125%
HK$38,090
baseline
▲ 0.50% · 4.625%
HK$40,408
+HK$2,318/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$76,180/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$261,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,875
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,944
−HK$1,085/mo
Today · 4.125%
HK$42,029
baseline
▲ 0.50% · 4.625%
HK$44,244
+HK$2,215/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$84,058/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$261,979 · 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).