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$19,971
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,592
−HK$631/mo
Today · 4.125%
HK$21,223
baseline
▲ 0.50% · 4.625%
HK$22,515
+HK$1,292/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,446/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,217
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,813
−HK$605/mo
Today · 4.125%
HK$23,418
baseline
▲ 0.50% · 4.625%
HK$24,652
+HK$1,234/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,836/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,965
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,710
−HK$758/mo
Today · 4.125%
HK$25,468
baseline
▲ 0.50% · 4.625%
HK$27,017
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,936/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,661
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,376
−HK$725/mo
Today · 4.125%
HK$28,101
baseline
▲ 0.50% · 4.625%
HK$29,582
+HK$1,481/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,202/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,959
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,829
−HK$883/mo
Today · 4.125%
HK$29,712
baseline
▲ 0.50% · 4.625%
HK$31,520
+HK$1,808/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,424/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,104
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,938
−HK$847/mo
Today · 4.125%
HK$32,785
baseline
▲ 0.50% · 4.625%
HK$34,513
+HK$1,728/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,570/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,947
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,066
−HK$1,136/mo
Today · 4.125%
HK$38,202
baseline
▲ 0.50% · 4.625%
HK$40,526
+HK$2,324/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$76,404/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,991
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,064
−HK$1,088/mo
Today · 4.125%
HK$42,152
baseline
▲ 0.50% · 4.625%
HK$44,374
+HK$2,222/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$84,304/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,744 · 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).