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$20,601
−HK$632/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$262,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,227
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,823
−HK$605/mo
Today · 4.125%
HK$23,428
baseline
▲ 0.50% · 4.625%
HK$24,663
+HK$1,235/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,856/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,976
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,722
−HK$757/mo
Today · 4.125%
HK$25,479
baseline
▲ 0.50% · 4.625%
HK$27,030
+HK$1,551/mo
Deposit HK$3.50M · loan HK$5.26M · min. income ≈ HK$50,958/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,673
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,388
−HK$726/mo
Today · 4.125%
HK$28,114
baseline
▲ 0.50% · 4.625%
HK$29,596
+HK$1,482/mo
Deposit HK$3.50M · loan HK$5.26M · min. income ≈ HK$56,228/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,972
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,842
−HK$884/mo
Today · 4.125%
HK$29,726
baseline
▲ 0.50% · 4.625%
HK$31,535
+HK$1,809/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,452/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,118
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,953
−HK$846/mo
Today · 4.125%
HK$32,799
baseline
▲ 0.50% · 4.625%
HK$34,528
+HK$1,729/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,598/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,964
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,082
−HK$1,137/mo
Today · 4.125%
HK$38,219
baseline
▲ 0.50% · 4.625%
HK$40,544
+HK$2,325/mo
Deposit HK$876K · loan HK$7.89M · min. income ≈ HK$76,438/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,009
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,082
−HK$1,089/mo
Today · 4.125%
HK$42,171
baseline
▲ 0.50% · 4.625%
HK$44,394
+HK$2,223/mo
Deposit HK$876K · loan HK$7.89M · min. income ≈ HK$84,342/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,863 · 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).