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$19,982
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,603
−HK$632/mo
Today · 4.125%
HK$21,235
baseline
▲ 0.50% · 4.625%
HK$22,527
+HK$1,292/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,470/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,229
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,826
−HK$604/mo
Today · 4.125%
HK$23,430
baseline
▲ 0.50% · 4.625%
HK$24,665
+HK$1,235/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,860/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,978
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,724
−HK$758/mo
Today · 4.125%
HK$25,482
baseline
▲ 0.50% · 4.625%
HK$27,032
+HK$1,550/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$50,964/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,675
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,391
−HK$725/mo
Today · 4.125%
HK$28,116
baseline
▲ 0.50% · 4.625%
HK$29,599
+HK$1,483/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,232/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,974
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,845
−HK$884/mo
Today · 4.125%
HK$29,729
baseline
▲ 0.50% · 4.625%
HK$31,538
+HK$1,809/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,458/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,121
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,956
−HK$847/mo
Today · 4.125%
HK$32,803
baseline
▲ 0.50% · 4.625%
HK$34,532
+HK$1,729/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,606/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,967
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,086
−HK$1,136/mo
Today · 4.125%
HK$38,222
baseline
▲ 0.50% · 4.625%
HK$40,548
+HK$2,326/mo
Deposit HK$876K · loan HK$7.89M · min. income ≈ HK$76,444/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,013
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,086
−HK$1,089/mo
Today · 4.125%
HK$42,175
baseline
▲ 0.50% · 4.625%
HK$44,398
+HK$2,223/mo
Deposit HK$876K · loan HK$7.89M · min. income ≈ HK$84,350/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,888 · 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).