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$19,980
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,602
−HK$631/mo
Today · 4.125%
HK$21,233
baseline
▲ 0.50% · 4.625%
HK$22,525
+HK$1,292/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,466/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,228
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,824
−HK$605/mo
Today · 4.125%
HK$23,429
baseline
▲ 0.50% · 4.625%
HK$24,664
+HK$1,235/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,858/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,977
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,722
−HK$758/mo
Today · 4.125%
HK$25,480
baseline
▲ 0.50% · 4.625%
HK$27,031
+HK$1,551/mo
Deposit HK$3.50M · loan HK$5.26M · min. income ≈ HK$50,960/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,674
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,389
−HK$726/mo
Today · 4.125%
HK$28,115
baseline
▲ 0.50% · 4.625%
HK$29,597
+HK$1,482/mo
Deposit HK$3.50M · loan HK$5.26M · min. income ≈ HK$56,230/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,973
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,843
−HK$884/mo
Today · 4.125%
HK$29,727
baseline
▲ 0.50% · 4.625%
HK$31,536
+HK$1,809/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,454/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,119
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,954
−HK$847/mo
Today · 4.125%
HK$32,801
baseline
▲ 0.50% · 4.625%
HK$34,530
+HK$1,729/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,602/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,965
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,084
−HK$1,136/mo
Today · 4.125%
HK$38,220
baseline
▲ 0.50% · 4.625%
HK$40,546
+HK$2,326/mo
Deposit HK$876K · loan HK$7.89M · min. income ≈ HK$76,440/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,011
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,084
−HK$1,088/mo
Today · 4.125%
HK$42,172
baseline
▲ 0.50% · 4.625%
HK$44,395
+HK$2,223/mo
Deposit HK$876K · loan HK$7.89M · min. income ≈ HK$84,344/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,872 · 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).