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$19,957
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,578
−HK$631/mo
Today · 4.125%
HK$21,209
baseline
▲ 0.50% · 4.625%
HK$22,499
+HK$1,290/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,418/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,202
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,798
−HK$604/mo
Today · 4.125%
HK$23,402
baseline
▲ 0.50% · 4.625%
HK$24,635
+HK$1,233/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,804/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,949
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,693
−HK$757/mo
Today · 4.125%
HK$25,450
baseline
▲ 0.50% · 4.625%
HK$26,999
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,900/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,643
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,357
−HK$725/mo
Today · 4.125%
HK$28,082
baseline
▲ 0.50% · 4.625%
HK$29,562
+HK$1,480/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,164/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,940
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,809
−HK$883/mo
Today · 4.125%
HK$29,692
baseline
▲ 0.50% · 4.625%
HK$31,499
+HK$1,807/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,384/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,083
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,917
−HK$845/mo
Today · 4.125%
HK$32,762
baseline
▲ 0.50% · 4.625%
HK$34,489
+HK$1,727/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,524/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,923
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,040
−HK$1,135/mo
Today · 4.125%
HK$38,175
baseline
▲ 0.50% · 4.625%
HK$40,498
+HK$2,323/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$76,350/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,964
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,036
−HK$1,087/mo
Today · 4.125%
HK$42,123
baseline
▲ 0.50% · 4.625%
HK$44,343
+HK$2,220/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$84,246/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,565 · 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).