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$19,979
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,600
−HK$632/mo
Today · 4.125%
HK$21,232
baseline
▲ 0.50% · 4.625%
HK$22,524
+HK$1,292/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,464/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,226
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,822
−HK$605/mo
Today · 4.125%
HK$23,427
baseline
▲ 0.50% · 4.625%
HK$24,662
+HK$1,235/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,854/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,975
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,720
−HK$758/mo
Today · 4.125%
HK$25,478
baseline
▲ 0.50% · 4.625%
HK$27,028
+HK$1,550/mo
Deposit HK$3.50M · loan HK$5.26M · min. income ≈ HK$50,956/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,672
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,387
−HK$726/mo
Today · 4.125%
HK$28,113
baseline
▲ 0.50% · 4.625%
HK$29,594
+HK$1,481/mo
Deposit HK$3.50M · loan HK$5.26M · min. income ≈ HK$56,226/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,970
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,840
−HK$884/mo
Today · 4.125%
HK$29,724
baseline
▲ 0.50% · 4.625%
HK$31,533
+HK$1,809/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,448/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,117
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,951
−HK$847/mo
Today · 4.125%
HK$32,798
baseline
▲ 0.50% · 4.625%
HK$34,527
+HK$1,729/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,596/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,962
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,081
−HK$1,136/mo
Today · 4.125%
HK$38,217
baseline
▲ 0.50% · 4.625%
HK$40,543
+HK$2,326/mo
Deposit HK$876K · loan HK$7.89M · min. income ≈ HK$76,434/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,007
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,080
−HK$1,089/mo
Today · 4.125%
HK$42,169
baseline
▲ 0.50% · 4.625%
HK$44,392
+HK$2,223/mo
Deposit HK$876K · loan HK$7.89M · min. income ≈ HK$84,338/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,851 · 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).