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$19,975
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,597
−HK$631/mo
Today · 4.125%
HK$21,228
baseline
▲ 0.50% · 4.625%
HK$22,520
+HK$1,292/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,456/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,222
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,818
−HK$605/mo
Today · 4.125%
HK$23,423
baseline
▲ 0.50% · 4.625%
HK$24,658
+HK$1,235/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,846/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,970
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,716
−HK$758/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$262,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,667
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,382
−HK$726/mo
Today · 4.125%
HK$28,108
baseline
▲ 0.50% · 4.625%
HK$29,589
+HK$1,481/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$262,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,966
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,835
−HK$884/mo
Today · 4.125%
HK$29,719
baseline
▲ 0.50% · 4.625%
HK$31,528
+HK$1,809/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,438/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,111
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,946
−HK$846/mo
Today · 4.125%
HK$32,792
baseline
▲ 0.50% · 4.625%
HK$34,521
+HK$1,729/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,584/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,956
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,074
−HK$1,136/mo
Today · 4.125%
HK$38,210
baseline
▲ 0.50% · 4.625%
HK$40,535
+HK$2,325/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$76,420/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,000
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,073
−HK$1,088/mo
Today · 4.125%
HK$42,161
baseline
▲ 0.50% · 4.625%
HK$44,384
+HK$2,223/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$84,322/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,805 · 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).