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$19,940
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,561
−HK$630/mo
Today · 4.125%
HK$21,191
baseline
▲ 0.50% · 4.625%
HK$22,480
+HK$1,289/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,382/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,184
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,778
−HK$604/mo
Today · 4.125%
HK$23,382
baseline
▲ 0.50% · 4.625%
HK$24,615
+HK$1,233/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,764/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,929
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,673
−HK$756/mo
Today · 4.125%
HK$25,429
baseline
▲ 0.50% · 4.625%
HK$26,976
+HK$1,547/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,858/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,620
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,334
−HK$724/mo
Today · 4.125%
HK$28,058
baseline
▲ 0.50% · 4.625%
HK$29,537
+HK$1,479/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,116/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,917
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,785
−HK$882/mo
Today · 4.125%
HK$29,667
baseline
▲ 0.50% · 4.625%
HK$31,472
+HK$1,805/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,334/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,057
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,890
−HK$845/mo
Today · 4.125%
HK$32,735
baseline
▲ 0.50% · 4.625%
HK$34,460
+HK$1,725/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,470/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,893
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,009
−HK$1,135/mo
Today · 4.125%
HK$38,144
baseline
▲ 0.50% · 4.625%
HK$40,465
+HK$2,321/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$76,288/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,930
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,001
−HK$1,087/mo
Today · 4.125%
HK$42,088
baseline
▲ 0.50% · 4.625%
HK$44,306
+HK$2,218/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$84,176/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,345 · 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).