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$19,964
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,585
−HK$631/mo
Today · 4.125%
HK$21,216
baseline
▲ 0.50% · 4.625%
HK$22,507
+HK$1,291/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,432/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,210
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,805
−HK$604/mo
Today · 4.125%
HK$23,409
baseline
▲ 0.50% · 4.625%
HK$24,643
+HK$1,234/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,818/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,957
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,702
−HK$757/mo
Today · 4.125%
HK$25,459
baseline
▲ 0.50% · 4.625%
HK$27,008
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,918/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,651
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,366
−HK$725/mo
Today · 4.125%
HK$28,091
baseline
▲ 0.50% · 4.625%
HK$29,572
+HK$1,481/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,182/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,949
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,819
−HK$883/mo
Today · 4.125%
HK$29,702
baseline
▲ 0.50% · 4.625%
HK$31,509
+HK$1,807/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,404/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,093
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,927
−HK$846/mo
Today · 4.125%
HK$32,773
baseline
▲ 0.50% · 4.625%
HK$34,501
+HK$1,728/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,546/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,935
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,053
−HK$1,135/mo
Today · 4.125%
HK$38,188
baseline
▲ 0.50% · 4.625%
HK$40,512
+HK$2,324/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$76,376/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,977
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,049
−HK$1,088/mo
Today · 4.125%
HK$42,137
baseline
▲ 0.50% · 4.625%
HK$44,358
+HK$2,221/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$84,274/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,653 · 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).