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$19,961
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,582
−HK$631/mo
Today · 4.125%
HK$21,213
baseline
▲ 0.50% · 4.625%
HK$22,504
+HK$1,291/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,426/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,207
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,802
−HK$605/mo
Today · 4.125%
HK$23,407
baseline
▲ 0.50% · 4.625%
HK$24,640
+HK$1,233/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,814/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,954
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,699
−HK$757/mo
Today · 4.125%
HK$25,456
baseline
▲ 0.50% · 4.625%
HK$27,005
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,912/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,648
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,363
−HK$725/mo
Today · 4.125%
HK$28,088
baseline
▲ 0.50% · 4.625%
HK$29,568
+HK$1,480/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,176/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,946
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,815
−HK$883/mo
Today · 4.125%
HK$29,698
baseline
▲ 0.50% · 4.625%
HK$31,505
+HK$1,807/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,396/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,089
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,923
−HK$846/mo
Today · 4.125%
HK$32,769
baseline
▲ 0.50% · 4.625%
HK$34,496
+HK$1,727/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,538/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,930
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,048
−HK$1,135/mo
Today · 4.125%
HK$38,183
baseline
▲ 0.50% · 4.625%
HK$40,507
+HK$2,324/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$76,366/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,972
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,044
−HK$1,088/mo
Today · 4.125%
HK$42,132
baseline
▲ 0.50% · 4.625%
HK$44,353
+HK$2,221/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$84,264/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,620 · 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).