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$19,938
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,558
−HK$631/mo
Today · 4.125%
HK$21,189
baseline
▲ 0.50% · 4.625%
HK$22,478
+HK$1,289/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,378/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,181
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,776
−HK$604/mo
Today · 4.125%
HK$23,380
baseline
▲ 0.50% · 4.625%
HK$24,612
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,760/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,926
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,670
−HK$756/mo
Today · 4.125%
HK$25,426
baseline
▲ 0.50% · 4.625%
HK$26,973
+HK$1,547/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,852/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,617
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,331
−HK$724/mo
Today · 4.125%
HK$28,055
baseline
▲ 0.50% · 4.625%
HK$29,534
+HK$1,479/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,110/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,914
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,782
−HK$882/mo
Today · 4.125%
HK$29,664
baseline
▲ 0.50% · 4.625%
HK$31,469
+HK$1,805/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,328/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,054
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,886
−HK$845/mo
Today · 4.125%
HK$32,731
baseline
▲ 0.50% · 4.625%
HK$34,457
+HK$1,726/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,462/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,889
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$37,005
−HK$1,134/mo
Today · 4.125%
HK$38,139
baseline
▲ 0.50% · 4.625%
HK$40,460
+HK$2,321/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$76,278/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,926
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,997
−HK$1,086/mo
Today · 4.125%
HK$42,083
baseline
▲ 0.50% · 4.625%
HK$44,301
+HK$2,218/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$84,166/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,317 · 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).