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$19,972
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,593
−HK$632/mo
Today · 4.125%
HK$21,225
baseline
▲ 0.50% · 4.625%
HK$22,516
+HK$1,291/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,450/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,219
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,815
−HK$604/mo
Today · 4.125%
HK$23,419
baseline
▲ 0.50% · 4.625%
HK$24,654
+HK$1,235/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,838/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,967
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,712
−HK$758/mo
Today · 4.125%
HK$25,470
baseline
▲ 0.50% · 4.625%
HK$27,019
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.26M · min. income ≈ HK$50,940/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,663
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,378
−HK$725/mo
Today · 4.125%
HK$28,103
baseline
▲ 0.50% · 4.625%
HK$29,585
+HK$1,482/mo
Deposit HK$3.50M · loan HK$5.26M · min. income ≈ HK$56,206/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,961
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,831
−HK$884/mo
Today · 4.125%
HK$29,715
baseline
▲ 0.50% · 4.625%
HK$31,523
+HK$1,808/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,430/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,106
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,941
−HK$846/mo
Today · 4.125%
HK$32,787
baseline
▲ 0.50% · 4.625%
HK$34,515
+HK$1,728/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,574/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,950
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,068
−HK$1,136/mo
Today · 4.125%
HK$38,204
baseline
▲ 0.50% · 4.625%
HK$40,529
+HK$2,325/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$76,408/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,994
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,067
−HK$1,088/mo
Today · 4.125%
HK$42,155
baseline
▲ 0.50% · 4.625%
HK$44,377
+HK$2,222/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$84,310/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,763 · 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).