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$19,970
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,591
−HK$632/mo
Today · 4.125%
HK$21,223
baseline
▲ 0.50% · 4.625%
HK$22,514
+HK$1,291/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,446/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,217
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,812
−HK$605/mo
Today · 4.125%
HK$23,417
baseline
▲ 0.50% · 4.625%
HK$24,651
+HK$1,234/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,834/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,964
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,710
−HK$757/mo
Today · 4.125%
HK$25,467
baseline
▲ 0.50% · 4.625%
HK$27,017
+HK$1,550/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,934/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,660
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,375
−HK$725/mo
Today · 4.125%
HK$28,100
baseline
▲ 0.50% · 4.625%
HK$29,582
+HK$1,482/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,200/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,958
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,828
−HK$884/mo
Today · 4.125%
HK$29,712
baseline
▲ 0.50% · 4.625%
HK$31,519
+HK$1,807/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,424/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,103
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,937
−HK$847/mo
Today · 4.125%
HK$32,784
baseline
▲ 0.50% · 4.625%
HK$34,512
+HK$1,728/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,568/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,946
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,065
−HK$1,136/mo
Today · 4.125%
HK$38,201
baseline
▲ 0.50% · 4.625%
HK$40,525
+HK$2,324/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$76,402/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,990
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,062
−HK$1,089/mo
Today · 4.125%
HK$42,151
baseline
▲ 0.50% · 4.625%
HK$44,372
+HK$2,221/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$84,302/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,737 · 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).