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$19,923
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,543
−HK$630/mo
Today · 4.125%
HK$21,173
baseline
▲ 0.50% · 4.625%
HK$22,461
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,346/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,165
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,759
−HK$603/mo
Today · 4.125%
HK$23,362
baseline
▲ 0.50% · 4.625%
HK$24,594
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,724/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,908
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,652
−HK$755/mo
Today · 4.125%
HK$25,407
baseline
▲ 0.50% · 4.625%
HK$26,953
+HK$1,546/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,814/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,598
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,311
−HK$724/mo
Today · 4.125%
HK$28,035
baseline
▲ 0.50% · 4.625%
HK$29,512
+HK$1,477/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,070/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,893
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,760
−HK$882/mo
Today · 4.125%
HK$29,642
baseline
▲ 0.50% · 4.625%
HK$31,446
+HK$1,804/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,284/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,031
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,863
−HK$844/mo
Today · 4.125%
HK$32,707
baseline
▲ 0.50% · 4.625%
HK$34,431
+HK$1,724/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,414/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,862
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,978
−HK$1,133/mo
Today · 4.125%
HK$38,111
baseline
▲ 0.50% · 4.625%
HK$40,430
+HK$2,319/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$76,222/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,896
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,966
−HK$1,086/mo
Today · 4.125%
HK$42,052
baseline
▲ 0.50% · 4.625%
HK$44,268
+HK$2,216/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$84,104/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,122 · 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).