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$19,968
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,590
−HK$631/mo
Today · 4.125%
HK$21,221
baseline
▲ 0.50% · 4.625%
HK$22,512
+HK$1,291/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,442/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,215
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,810
−HK$605/mo
Today · 4.125%
HK$23,415
baseline
▲ 0.50% · 4.625%
HK$24,649
+HK$1,234/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,830/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,962
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,707
−HK$758/mo
Today · 4.125%
HK$25,465
baseline
▲ 0.50% · 4.625%
HK$27,014
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,930/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,658
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,372
−HK$726/mo
Today · 4.125%
HK$28,098
baseline
▲ 0.50% · 4.625%
HK$29,579
+HK$1,481/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,196/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,956
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,825
−HK$884/mo
Today · 4.125%
HK$29,709
baseline
▲ 0.50% · 4.625%
HK$31,517
+HK$1,808/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,418/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,100
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,935
−HK$846/mo
Today · 4.125%
HK$32,781
baseline
▲ 0.50% · 4.625%
HK$34,509
+HK$1,728/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,562/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,943
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,061
−HK$1,136/mo
Today · 4.125%
HK$38,197
baseline
▲ 0.50% · 4.625%
HK$40,521
+HK$2,324/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$76,394/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,986
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,059
−HK$1,088/mo
Today · 4.125%
HK$42,147
baseline
▲ 0.50% · 4.625%
HK$44,368
+HK$2,221/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$84,294/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,713 · 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).