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$19,943
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,564
−HK$630/mo
Today · 4.125%
HK$21,194
baseline
▲ 0.50% · 4.625%
HK$22,484
+HK$1,290/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,388/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,187
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,782
−HK$604/mo
Today · 4.125%
HK$23,386
baseline
▲ 0.50% · 4.625%
HK$24,618
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,772/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,932
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,677
−HK$756/mo
Today · 4.125%
HK$25,433
baseline
▲ 0.50% · 4.625%
HK$26,980
+HK$1,547/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,866/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,624
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,338
−HK$725/mo
Today · 4.125%
HK$28,063
baseline
▲ 0.50% · 4.625%
HK$29,542
+HK$1,479/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,126/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,921
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,789
−HK$883/mo
Today · 4.125%
HK$29,672
baseline
▲ 0.50% · 4.625%
HK$31,477
+HK$1,805/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,344/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,062
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,895
−HK$845/mo
Today · 4.125%
HK$32,740
baseline
▲ 0.50% · 4.625%
HK$34,465
+HK$1,725/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,480/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,898
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,015
−HK$1,134/mo
Today · 4.125%
HK$38,149
baseline
▲ 0.50% · 4.625%
HK$40,471
+HK$2,322/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$76,298/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,936
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,007
−HK$1,087/mo
Today · 4.125%
HK$42,094
baseline
▲ 0.50% · 4.625%
HK$44,313
+HK$2,219/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$84,188/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,384 · 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).