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$19,958
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,578
−HK$631/mo
Today · 4.125%
HK$21,209
baseline
▲ 0.50% · 4.625%
HK$22,500
+HK$1,291/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$262,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,203
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,798
−HK$604/mo
Today · 4.125%
HK$23,402
baseline
▲ 0.50% · 4.625%
HK$24,636
+HK$1,234/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$262,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,949
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,694
−HK$757/mo
Today · 4.125%
HK$25,451
baseline
▲ 0.50% · 4.625%
HK$27,000
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,902/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,643
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,358
−HK$725/mo
Today · 4.125%
HK$28,083
baseline
▲ 0.50% · 4.625%
HK$29,563
+HK$1,480/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,166/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,941
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,810
−HK$883/mo
Today · 4.125%
HK$29,693
baseline
▲ 0.50% · 4.625%
HK$31,500
+HK$1,807/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,386/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,084
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,917
−HK$846/mo
Today · 4.125%
HK$32,763
baseline
▲ 0.50% · 4.625%
HK$34,490
+HK$1,727/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,526/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,924
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,041
−HK$1,135/mo
Today · 4.125%
HK$38,176
baseline
▲ 0.50% · 4.625%
HK$40,499
+HK$2,323/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$76,352/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,965
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,037
−HK$1,087/mo
Today · 4.125%
HK$42,124
baseline
▲ 0.50% · 4.625%
HK$44,344
+HK$2,220/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$84,248/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,571 · 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).