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$19,908
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,527
−HK$629/mo
Today · 4.125%
HK$21,156
baseline
▲ 0.50% · 4.625%
HK$22,444
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,312/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,147
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,741
−HK$603/mo
Today · 4.125%
HK$23,344
baseline
▲ 0.50% · 4.625%
HK$24,574
+HK$1,230/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,688/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,890
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,633
−HK$755/mo
Today · 4.125%
HK$25,388
baseline
▲ 0.50% · 4.625%
HK$26,932
+HK$1,544/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,776/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,577
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,290
−HK$723/mo
Today · 4.125%
HK$28,013
baseline
▲ 0.50% · 4.625%
HK$29,489
+HK$1,476/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,026/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,871
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,738
−HK$881/mo
Today · 4.125%
HK$29,619
baseline
▲ 0.50% · 4.625%
HK$31,421
+HK$1,802/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,238/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,006
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,838
−HK$844/mo
Today · 4.125%
HK$32,682
baseline
▲ 0.50% · 4.625%
HK$34,404
+HK$1,722/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,364/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,834
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,949
−HK$1,132/mo
Today · 4.125%
HK$38,081
baseline
▲ 0.50% · 4.625%
HK$40,399
+HK$2,318/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$76,162/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,865
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,935
−HK$1,084/mo
Today · 4.125%
HK$42,019
baseline
▲ 0.50% · 4.625%
HK$44,234
+HK$2,215/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$84,038/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,918 · 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).