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$22,483
+HK$1,289/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$262,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,187
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,782
−HK$603/mo
Today · 4.125%
HK$23,385
baseline
▲ 0.50% · 4.625%
HK$24,618
+HK$1,233/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,770/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,932
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,676
−HK$757/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$262,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,624
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,338
−HK$724/mo
Today · 4.125%
HK$28,062
baseline
▲ 0.50% · 4.625%
HK$29,542
+HK$1,480/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,124/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,921
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,789
−HK$882/mo
Today · 4.125%
HK$29,671
baseline
▲ 0.50% · 4.625%
HK$31,477
+HK$1,806/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,342/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,061
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,894
−HK$845/mo
Today · 4.125%
HK$32,739
baseline
▲ 0.50% · 4.625%
HK$34,465
+HK$1,726/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,478/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,898
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,014
−HK$1,135/mo
Today · 4.125%
HK$38,149
baseline
▲ 0.50% · 4.625%
HK$40,470
+HK$2,321/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$262,382 · 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$44,312
+HK$2,218/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$262,382 · 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).