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$19,954
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,575
−HK$630/mo
Today · 4.125%
HK$21,205
baseline
▲ 0.50% · 4.625%
HK$22,495
+HK$1,290/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,410/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,199
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,794
−HK$604/mo
Today · 4.125%
HK$23,398
baseline
▲ 0.50% · 4.625%
HK$24,631
+HK$1,233/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,796/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,945
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,690
−HK$756/mo
Today · 4.125%
HK$25,446
baseline
▲ 0.50% · 4.625%
HK$26,995
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,892/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,638
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,353
−HK$724/mo
Today · 4.125%
HK$28,077
baseline
▲ 0.50% · 4.625%
HK$29,557
+HK$1,480/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,154/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,935
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,804
−HK$883/mo
Today · 4.125%
HK$29,687
baseline
▲ 0.50% · 4.625%
HK$31,494
+HK$1,807/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,374/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,078
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,911
−HK$846/mo
Today · 4.125%
HK$32,757
baseline
▲ 0.50% · 4.625%
HK$34,484
+HK$1,727/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,514/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,917
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,034
−HK$1,135/mo
Today · 4.125%
HK$38,169
baseline
▲ 0.50% · 4.625%
HK$40,492
+HK$2,323/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$76,338/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,957
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,029
−HK$1,087/mo
Today · 4.125%
HK$42,116
baseline
▲ 0.50% · 4.625%
HK$44,336
+HK$2,220/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$84,232/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,523 · 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).