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$19,976
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,597
−HK$632/mo
Today · 4.125%
HK$21,229
baseline
▲ 0.50% · 4.625%
HK$22,520
+HK$1,291/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,458/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,223
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,819
−HK$605/mo
Today · 4.125%
HK$23,424
baseline
▲ 0.50% · 4.625%
HK$24,658
+HK$1,234/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,848/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,971
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,717
−HK$757/mo
Today · 4.125%
HK$25,474
baseline
▲ 0.50% · 4.625%
HK$27,024
+HK$1,550/mo
Deposit HK$3.50M · loan HK$5.26M · min. income ≈ HK$50,948/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,668
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,383
−HK$725/mo
Today · 4.125%
HK$28,108
baseline
▲ 0.50% · 4.625%
HK$29,590
+HK$1,482/mo
Deposit HK$3.50M · loan HK$5.26M · min. income ≈ HK$56,216/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,966
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,836
−HK$884/mo
Today · 4.125%
HK$29,720
baseline
▲ 0.50% · 4.625%
HK$31,529
+HK$1,809/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,440/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,112
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,947
−HK$846/mo
Today · 4.125%
HK$32,793
baseline
▲ 0.50% · 4.625%
HK$34,522
+HK$1,729/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,586/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,957
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,075
−HK$1,137/mo
Today · 4.125%
HK$38,212
baseline
▲ 0.50% · 4.625%
HK$40,537
+HK$2,325/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$76,424/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,002
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,074
−HK$1,089/mo
Today · 4.125%
HK$42,163
baseline
▲ 0.50% · 4.625%
HK$44,385
+HK$2,222/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$84,326/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,813 · 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).