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$19,955
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,575
−HK$631/mo
Today · 4.125%
HK$21,206
baseline
▲ 0.50% · 4.625%
HK$22,496
+HK$1,290/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,412/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,199
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,795
−HK$604/mo
Today · 4.125%
HK$23,399
baseline
▲ 0.50% · 4.625%
HK$24,632
+HK$1,233/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,798/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,946
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,690
−HK$757/mo
Today · 4.125%
HK$25,447
baseline
▲ 0.50% · 4.625%
HK$26,996
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,894/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,639
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,354
−HK$725/mo
Today · 4.125%
HK$28,079
baseline
▲ 0.50% · 4.625%
HK$29,559
+HK$1,480/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,158/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,937
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,806
−HK$882/mo
Today · 4.125%
HK$29,688
baseline
▲ 0.50% · 4.625%
HK$31,495
+HK$1,807/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,376/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,079
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,913
−HK$845/mo
Today · 4.125%
HK$32,758
baseline
▲ 0.50% · 4.625%
HK$34,485
+HK$1,727/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,516/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,918
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,036
−HK$1,135/mo
Today · 4.125%
HK$38,171
baseline
▲ 0.50% · 4.625%
HK$40,493
+HK$2,322/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$76,342/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,959
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,031
−HK$1,087/mo
Today · 4.125%
HK$42,118
baseline
▲ 0.50% · 4.625%
HK$44,338
+HK$2,220/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$84,236/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,533 · 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).