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$19,937
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,557
−HK$630/mo
Today · 4.125%
HK$21,187
baseline
▲ 0.50% · 4.625%
HK$22,476
+HK$1,289/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,374/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,180
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,774
−HK$604/mo
Today · 4.125%
HK$23,378
baseline
▲ 0.50% · 4.625%
HK$24,610
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,756/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,924
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,668
−HK$756/mo
Today · 4.125%
HK$25,424
baseline
▲ 0.50% · 4.625%
HK$26,971
+HK$1,547/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,848/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,615
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,329
−HK$724/mo
Today · 4.125%
HK$28,053
baseline
▲ 0.50% · 4.625%
HK$29,532
+HK$1,479/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,106/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,912
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,780
−HK$882/mo
Today · 4.125%
HK$29,662
baseline
▲ 0.50% · 4.625%
HK$31,467
+HK$1,805/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,324/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,051
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,884
−HK$845/mo
Today · 4.125%
HK$32,729
baseline
▲ 0.50% · 4.625%
HK$34,454
+HK$1,725/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,458/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,886
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,003
−HK$1,134/mo
Today · 4.125%
HK$38,137
baseline
▲ 0.50% · 4.625%
HK$40,457
+HK$2,320/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$76,274/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,923
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,994
−HK$1,086/mo
Today · 4.125%
HK$42,080
baseline
▲ 0.50% · 4.625%
HK$44,298
+HK$2,218/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$84,160/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,298 · 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).