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$19,946
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,566
−HK$631/mo
Today · 4.125%
HK$21,197
baseline
▲ 0.50% · 4.625%
HK$22,486
+HK$1,289/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,394/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,190
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,785
−HK$603/mo
Today · 4.125%
HK$23,388
baseline
▲ 0.50% · 4.625%
HK$24,621
+HK$1,233/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$262,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,935
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,680
−HK$756/mo
Today · 4.125%
HK$25,436
baseline
▲ 0.50% · 4.625%
HK$26,984
+HK$1,548/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,872/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,627
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,342
−HK$724/mo
Today · 4.125%
HK$28,066
baseline
▲ 0.50% · 4.625%
HK$29,545
+HK$1,479/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,132/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,924
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,793
−HK$882/mo
Today · 4.125%
HK$29,675
baseline
▲ 0.50% · 4.625%
HK$31,481
+HK$1,806/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,350/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,065
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,899
−HK$845/mo
Today · 4.125%
HK$32,744
baseline
▲ 0.50% · 4.625%
HK$34,470
+HK$1,726/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,488/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,903
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,019
−HK$1,135/mo
Today · 4.125%
HK$38,154
baseline
▲ 0.50% · 4.625%
HK$40,476
+HK$2,322/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$76,308/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,941
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,012
−HK$1,087/mo
Today · 4.125%
HK$42,099
baseline
▲ 0.50% · 4.625%
HK$44,318
+HK$2,219/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$84,198/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,416 · 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).