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$19,967
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,588
−HK$631/mo
Today · 4.125%
HK$21,219
baseline
▲ 0.50% · 4.625%
HK$22,510
+HK$1,291/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,438/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,213
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,809
−HK$604/mo
Today · 4.125%
HK$23,413
baseline
▲ 0.50% · 4.625%
HK$24,647
+HK$1,234/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,826/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,960
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,706
−HK$757/mo
Today · 4.125%
HK$25,463
baseline
▲ 0.50% · 4.625%
HK$27,012
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,926/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,656
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,371
−HK$725/mo
Today · 4.125%
HK$28,096
baseline
▲ 0.50% · 4.625%
HK$29,577
+HK$1,481/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,192/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,954
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,823
−HK$884/mo
Today · 4.125%
HK$29,707
baseline
▲ 0.50% · 4.625%
HK$31,514
+HK$1,807/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,414/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,098
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,932
−HK$846/mo
Today · 4.125%
HK$32,778
baseline
▲ 0.50% · 4.625%
HK$34,506
+HK$1,728/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,556/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,941
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,059
−HK$1,135/mo
Today · 4.125%
HK$38,194
baseline
▲ 0.50% · 4.625%
HK$40,518
+HK$2,324/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$76,388/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,984
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,056
−HK$1,088/mo
Today · 4.125%
HK$42,144
baseline
▲ 0.50% · 4.625%
HK$44,365
+HK$2,221/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$84,288/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,695 · 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).