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$19,970
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,591
−HK$631/mo
Today · 4.125%
HK$21,222
baseline
▲ 0.50% · 4.625%
HK$22,513
+HK$1,291/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,444/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,216
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,812
−HK$605/mo
Today · 4.125%
HK$23,417
baseline
▲ 0.50% · 4.625%
HK$24,651
+HK$1,234/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,834/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,964
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,709
−HK$758/mo
Today · 4.125%
HK$25,467
baseline
▲ 0.50% · 4.625%
HK$27,016
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,934/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,660
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,374
−HK$726/mo
Today · 4.125%
HK$28,100
baseline
▲ 0.50% · 4.625%
HK$29,581
+HK$1,481/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,200/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,958
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,827
−HK$884/mo
Today · 4.125%
HK$29,711
baseline
▲ 0.50% · 4.625%
HK$31,519
+HK$1,808/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,422/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,103
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,937
−HK$846/mo
Today · 4.125%
HK$32,783
baseline
▲ 0.50% · 4.625%
HK$34,511
+HK$1,728/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,566/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,946
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,064
−HK$1,136/mo
Today · 4.125%
HK$38,200
baseline
▲ 0.50% · 4.625%
HK$40,524
+HK$2,324/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$76,400/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,989
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,062
−HK$1,088/mo
Today · 4.125%
HK$42,150
baseline
▲ 0.50% · 4.625%
HK$44,372
+HK$2,222/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$84,300/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,732 · 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).