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$19,939
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,559
−HK$631/mo
Today · 4.125%
HK$21,190
baseline
▲ 0.50% · 4.625%
HK$22,479
+HK$1,289/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,380/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,182
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,777
−HK$604/mo
Today · 4.125%
HK$23,381
baseline
▲ 0.50% · 4.625%
HK$24,613
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,762/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,927
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,671
−HK$756/mo
Today · 4.125%
HK$25,427
baseline
▲ 0.50% · 4.625%
HK$26,975
+HK$1,548/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,854/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,619
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,333
−HK$724/mo
Today · 4.125%
HK$28,057
baseline
▲ 0.50% · 4.625%
HK$29,536
+HK$1,479/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,114/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,915
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,783
−HK$882/mo
Today · 4.125%
HK$29,665
baseline
▲ 0.50% · 4.625%
HK$31,470
+HK$1,805/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,330/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,055
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,888
−HK$845/mo
Today · 4.125%
HK$32,733
baseline
▲ 0.50% · 4.625%
HK$34,458
+HK$1,725/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,466/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,891
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$37,007
−HK$1,134/mo
Today · 4.125%
HK$38,141
baseline
▲ 0.50% · 4.625%
HK$40,462
+HK$2,321/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$76,282/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,928
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,999
−HK$1,086/mo
Today · 4.125%
HK$42,085
baseline
▲ 0.50% · 4.625%
HK$44,303
+HK$2,218/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$84,170/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,329 · 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).