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$19,911
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,530
−HK$629/mo
Today · 4.125%
HK$21,159
baseline
▲ 0.50% · 4.625%
HK$22,447
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,318/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,151
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,745
−HK$602/mo
Today · 4.125%
HK$23,347
baseline
▲ 0.50% · 4.625%
HK$24,578
+HK$1,231/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,694/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,893
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,636
−HK$755/mo
Today · 4.125%
HK$25,391
baseline
▲ 0.50% · 4.625%
HK$26,936
+HK$1,545/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,782/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,581
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,294
−HK$723/mo
Today · 4.125%
HK$28,017
baseline
▲ 0.50% · 4.625%
HK$29,494
+HK$1,477/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,034/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,875
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,742
−HK$881/mo
Today · 4.125%
HK$29,623
baseline
▲ 0.50% · 4.625%
HK$31,426
+HK$1,803/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,246/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,011
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,843
−HK$843/mo
Today · 4.125%
HK$32,686
baseline
▲ 0.50% · 4.625%
HK$34,409
+HK$1,723/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,372/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,840
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,954
−HK$1,133/mo
Today · 4.125%
HK$38,087
baseline
▲ 0.50% · 4.625%
HK$40,405
+HK$2,318/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$76,174/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$261,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,871
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,941
−HK$1,084/mo
Today · 4.125%
HK$42,025
baseline
▲ 0.50% · 4.625%
HK$44,241
+HK$2,216/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$84,050/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$261,956 · 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).