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$19,950
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,570
−HK$631/mo
Today · 4.125%
HK$21,201
baseline
▲ 0.50% · 4.625%
HK$22,491
+HK$1,290/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,402/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,194
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,789
−HK$604/mo
Today · 4.125%
HK$23,393
baseline
▲ 0.50% · 4.625%
HK$24,626
+HK$1,233/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,786/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,940
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,684
−HK$757/mo
Today · 4.125%
HK$25,441
baseline
▲ 0.50% · 4.625%
HK$26,989
+HK$1,548/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,882/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,633
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,347
−HK$725/mo
Today · 4.125%
HK$28,072
baseline
▲ 0.50% · 4.625%
HK$29,551
+HK$1,479/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,144/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,930
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,798
−HK$883/mo
Today · 4.125%
HK$29,681
baseline
▲ 0.50% · 4.625%
HK$31,487
+HK$1,806/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,362/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,071
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,905
−HK$845/mo
Today · 4.125%
HK$32,750
baseline
▲ 0.50% · 4.625%
HK$34,476
+HK$1,726/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,500/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,910
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,027
−HK$1,134/mo
Today · 4.125%
HK$38,161
baseline
▲ 0.50% · 4.625%
HK$40,483
+HK$2,322/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$76,322/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,949
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,020
−HK$1,087/mo
Today · 4.125%
HK$42,107
baseline
▲ 0.50% · 4.625%
HK$44,327
+HK$2,220/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$84,214/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,468 · 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).