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$19,955
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,576
−HK$631/mo
Today · 4.125%
HK$21,207
baseline
▲ 0.50% · 4.625%
HK$22,497
+HK$1,290/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,414/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,200
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,796
−HK$604/mo
Today · 4.125%
HK$23,400
baseline
▲ 0.50% · 4.625%
HK$24,633
+HK$1,233/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,800/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,947
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,691
−HK$757/mo
Today · 4.125%
HK$25,448
baseline
▲ 0.50% · 4.625%
HK$26,997
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,896/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,640
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,355
−HK$725/mo
Today · 4.125%
HK$28,080
baseline
▲ 0.50% · 4.625%
HK$29,560
+HK$1,480/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,160/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,938
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,807
−HK$883/mo
Today · 4.125%
HK$29,690
baseline
▲ 0.50% · 4.625%
HK$31,496
+HK$1,806/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,380/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,080
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,914
−HK$846/mo
Today · 4.125%
HK$32,760
baseline
▲ 0.50% · 4.625%
HK$34,486
+HK$1,726/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,520/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,920
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,037
−HK$1,135/mo
Today · 4.125%
HK$38,172
baseline
▲ 0.50% · 4.625%
HK$40,495
+HK$2,323/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$76,344/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,960
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,032
−HK$1,087/mo
Today · 4.125%
HK$42,119
baseline
▲ 0.50% · 4.625%
HK$44,340
+HK$2,221/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$84,238/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,543 · 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).