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$19,933
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,553
−HK$630/mo
Today · 4.125%
HK$21,183
baseline
▲ 0.50% · 4.625%
HK$22,471
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,366/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,175
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,770
−HK$603/mo
Today · 4.125%
HK$23,373
baseline
▲ 0.50% · 4.625%
HK$24,605
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,746/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,919
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,663
−HK$756/mo
Today · 4.125%
HK$25,419
baseline
▲ 0.50% · 4.625%
HK$26,966
+HK$1,547/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$50,838/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,610
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,323
−HK$724/mo
Today · 4.125%
HK$28,047
baseline
▲ 0.50% · 4.625%
HK$29,526
+HK$1,479/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$56,094/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,906
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,774
−HK$882/mo
Today · 4.125%
HK$29,656
baseline
▲ 0.50% · 4.625%
HK$31,460
+HK$1,804/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,312/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,045
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,877
−HK$845/mo
Today · 4.125%
HK$32,722
baseline
▲ 0.50% · 4.625%
HK$34,447
+HK$1,725/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,444/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,879
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,995
−HK$1,134/mo
Today · 4.125%
HK$38,129
baseline
▲ 0.50% · 4.625%
HK$40,449
+HK$2,320/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$76,258/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,915
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,985
−HK$1,086/mo
Today · 4.125%
HK$42,071
baseline
▲ 0.50% · 4.625%
HK$44,289
+HK$2,218/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$84,142/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,242 · 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).