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$19,936
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,556
−HK$630/mo
Today · 4.125%
HK$21,186
baseline
▲ 0.50% · 4.625%
HK$22,475
+HK$1,289/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,372/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,179
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,774
−HK$603/mo
Today · 4.125%
HK$23,377
baseline
▲ 0.50% · 4.625%
HK$24,609
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,754/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,923
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,668
−HK$756/mo
Today · 4.125%
HK$25,424
baseline
▲ 0.50% · 4.625%
HK$26,971
+HK$1,547/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,848/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,615
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,328
−HK$724/mo
Today · 4.125%
HK$28,052
baseline
▲ 0.50% · 4.625%
HK$29,531
+HK$1,479/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,104/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,911
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,779
−HK$882/mo
Today · 4.125%
HK$29,661
baseline
▲ 0.50% · 4.625%
HK$31,466
+HK$1,805/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,322/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,050
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,883
−HK$845/mo
Today · 4.125%
HK$32,728
baseline
▲ 0.50% · 4.625%
HK$34,453
+HK$1,725/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,456/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,885
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$37,001
−HK$1,134/mo
Today · 4.125%
HK$38,135
baseline
▲ 0.50% · 4.625%
HK$40,456
+HK$2,321/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$76,270/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,922
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,992
−HK$1,087/mo
Today · 4.125%
HK$42,079
baseline
▲ 0.50% · 4.625%
HK$44,297
+HK$2,218/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$84,158/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,289 · 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).