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$19,945
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,566
−HK$630/mo
Today · 4.125%
HK$21,196
baseline
▲ 0.50% · 4.625%
HK$22,486
+HK$1,290/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,392/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,189
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,784
−HK$604/mo
Today · 4.125%
HK$23,388
baseline
▲ 0.50% · 4.625%
HK$24,620
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,776/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,934
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,679
−HK$756/mo
Today · 4.125%
HK$25,435
baseline
▲ 0.50% · 4.625%
HK$26,983
+HK$1,548/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,870/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,627
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,341
−HK$724/mo
Today · 4.125%
HK$28,065
baseline
▲ 0.50% · 4.625%
HK$29,545
+HK$1,480/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,130/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,923
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,792
−HK$882/mo
Today · 4.125%
HK$29,674
baseline
▲ 0.50% · 4.625%
HK$31,480
+HK$1,806/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,348/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,064
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,898
−HK$845/mo
Today · 4.125%
HK$32,743
baseline
▲ 0.50% · 4.625%
HK$34,469
+HK$1,726/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,486/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,901
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,018
−HK$1,135/mo
Today · 4.125%
HK$38,153
baseline
▲ 0.50% · 4.625%
HK$40,474
+HK$2,321/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$76,306/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,940
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,011
−HK$1,087/mo
Today · 4.125%
HK$42,098
baseline
▲ 0.50% · 4.625%
HK$44,317
+HK$2,219/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$84,196/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,408 · 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).