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$19,958
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,579
−HK$631/mo
Today · 4.125%
HK$21,210
baseline
▲ 0.50% · 4.625%
HK$22,501
+HK$1,291/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,420/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,204
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,799
−HK$604/mo
Today · 4.125%
HK$23,403
baseline
▲ 0.50% · 4.625%
HK$24,637
+HK$1,234/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,806/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,950
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,695
−HK$757/mo
Today · 4.125%
HK$25,452
baseline
▲ 0.50% · 4.625%
HK$27,001
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,904/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,644
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,359
−HK$725/mo
Today · 4.125%
HK$28,084
baseline
▲ 0.50% · 4.625%
HK$29,564
+HK$1,480/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,168/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,942
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,811
−HK$883/mo
Today · 4.125%
HK$29,694
baseline
▲ 0.50% · 4.625%
HK$31,501
+HK$1,807/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,388/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,085
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,919
−HK$845/mo
Today · 4.125%
HK$32,764
baseline
▲ 0.50% · 4.625%
HK$34,492
+HK$1,728/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,528/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,925
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,043
−HK$1,135/mo
Today · 4.125%
HK$38,178
baseline
▲ 0.50% · 4.625%
HK$40,501
+HK$2,323/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$76,356/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,966
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,038
−HK$1,088/mo
Today · 4.125%
HK$42,126
baseline
▲ 0.50% · 4.625%
HK$44,346
+HK$2,220/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$84,252/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,582 · 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).