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$19,917
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,537
−HK$629/mo
Today · 4.125%
HK$21,166
baseline
▲ 0.50% · 4.625%
HK$22,454
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,332/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,158
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,752
−HK$603/mo
Today · 4.125%
HK$23,355
baseline
▲ 0.50% · 4.625%
HK$24,586
+HK$1,231/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,710/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,901
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,644
−HK$756/mo
Today · 4.125%
HK$25,400
baseline
▲ 0.50% · 4.625%
HK$26,945
+HK$1,545/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,800/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,589
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,303
−HK$723/mo
Today · 4.125%
HK$28,026
baseline
▲ 0.50% · 4.625%
HK$29,503
+HK$1,477/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,052/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,884
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,752
−HK$881/mo
Today · 4.125%
HK$29,633
baseline
▲ 0.50% · 4.625%
HK$31,436
+HK$1,803/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,266/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,021
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,853
−HK$844/mo
Today · 4.125%
HK$32,697
baseline
▲ 0.50% · 4.625%
HK$34,421
+HK$1,724/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,394/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,851
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,966
−HK$1,133/mo
Today · 4.125%
HK$38,099
baseline
▲ 0.50% · 4.625%
HK$40,418
+HK$2,319/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$76,198/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,884
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,954
−HK$1,085/mo
Today · 4.125%
HK$42,039
baseline
▲ 0.50% · 4.625%
HK$44,255
+HK$2,216/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$84,078/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,042 · 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).