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$19,963
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,584
−HK$631/mo
Today · 4.125%
HK$21,215
baseline
▲ 0.50% · 4.625%
HK$22,506
+HK$1,291/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,430/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,209
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,804
−HK$604/mo
Today · 4.125%
HK$23,408
baseline
▲ 0.50% · 4.625%
HK$24,642
+HK$1,234/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,816/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,955
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,701
−HK$757/mo
Today · 4.125%
HK$25,458
baseline
▲ 0.50% · 4.625%
HK$27,007
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,916/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,650
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,365
−HK$725/mo
Today · 4.125%
HK$28,090
baseline
▲ 0.50% · 4.625%
HK$29,571
+HK$1,481/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,180/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,948
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,817
−HK$884/mo
Today · 4.125%
HK$29,701
baseline
▲ 0.50% · 4.625%
HK$31,508
+HK$1,807/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,402/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,092
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,926
−HK$846/mo
Today · 4.125%
HK$32,772
baseline
▲ 0.50% · 4.625%
HK$34,499
+HK$1,727/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,544/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,933
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,051
−HK$1,136/mo
Today · 4.125%
HK$38,187
baseline
▲ 0.50% · 4.625%
HK$40,510
+HK$2,323/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$76,374/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,975
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,047
−HK$1,088/mo
Today · 4.125%
HK$42,135
baseline
▲ 0.50% · 4.625%
HK$44,356
+HK$2,221/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$84,270/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,641 · 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).