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$19,947
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,568
−HK$630/mo
Today · 4.125%
HK$21,198
baseline
▲ 0.50% · 4.625%
HK$22,488
+HK$1,290/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,396/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,191
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,786
−HK$604/mo
Today · 4.125%
HK$23,390
baseline
▲ 0.50% · 4.625%
HK$24,623
+HK$1,233/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,780/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,937
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,681
−HK$757/mo
Today · 4.125%
HK$25,438
baseline
▲ 0.50% · 4.625%
HK$26,986
+HK$1,548/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,876/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,630
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,344
−HK$724/mo
Today · 4.125%
HK$28,068
baseline
▲ 0.50% · 4.625%
HK$29,548
+HK$1,480/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,136/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,926
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,795
−HK$883/mo
Today · 4.125%
HK$29,678
baseline
▲ 0.50% · 4.625%
HK$31,483
+HK$1,805/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,356/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,068
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,901
−HK$845/mo
Today · 4.125%
HK$32,746
baseline
▲ 0.50% · 4.625%
HK$34,472
+HK$1,726/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,492/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,905
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,022
−HK$1,135/mo
Today · 4.125%
HK$38,157
baseline
▲ 0.50% · 4.625%
HK$40,479
+HK$2,322/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$76,314/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,944
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,016
−HK$1,086/mo
Today · 4.125%
HK$42,102
baseline
▲ 0.50% · 4.625%
HK$44,322
+HK$2,220/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$84,204/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,437 · 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).