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$19,919
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,538
−HK$630/mo
Today · 4.125%
HK$21,168
baseline
▲ 0.50% · 4.625%
HK$22,456
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,336/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,159
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,754
−HK$602/mo
Today · 4.125%
HK$23,356
baseline
▲ 0.50% · 4.625%
HK$24,588
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,712/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,902
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,646
−HK$755/mo
Today · 4.125%
HK$25,401
baseline
▲ 0.50% · 4.625%
HK$26,947
+HK$1,546/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,802/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,591
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,304
−HK$724/mo
Today · 4.125%
HK$28,028
baseline
▲ 0.50% · 4.625%
HK$29,505
+HK$1,477/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,056/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,886
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,753
−HK$882/mo
Today · 4.125%
HK$29,635
baseline
▲ 0.50% · 4.625%
HK$31,438
+HK$1,803/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,270/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,023
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,855
−HK$844/mo
Today · 4.125%
HK$32,699
baseline
▲ 0.50% · 4.625%
HK$34,423
+HK$1,724/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,398/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,853
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,969
−HK$1,133/mo
Today · 4.125%
HK$38,102
baseline
▲ 0.50% · 4.625%
HK$40,420
+HK$2,318/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$76,204/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,887
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,956
−HK$1,086/mo
Today · 4.125%
HK$42,042
baseline
▲ 0.50% · 4.625%
HK$44,258
+HK$2,216/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$84,084/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,057 · 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).