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$19,989
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,611
−HK$632/mo
Today · 4.125%
HK$21,243
baseline
▲ 0.50% · 4.625%
HK$22,535
+HK$1,292/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,486/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$262,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,238
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,834
−HK$605/mo
Today · 4.125%
HK$23,439
baseline
▲ 0.50% · 4.625%
HK$24,675
+HK$1,236/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,878/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$262,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,987
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,733
−HK$758/mo
Today · 4.125%
HK$25,491
baseline
▲ 0.50% · 4.625%
HK$27,042
+HK$1,551/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$50,982/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,685
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,401
−HK$726/mo
Today · 4.125%
HK$28,127
baseline
▲ 0.50% · 4.625%
HK$29,610
+HK$1,483/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,254/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,985
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,855
−HK$885/mo
Today · 4.125%
HK$29,740
baseline
▲ 0.50% · 4.625%
HK$31,549
+HK$1,809/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,480/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,133
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,968
−HK$847/mo
Today · 4.125%
HK$32,815
baseline
▲ 0.50% · 4.625%
HK$34,545
+HK$1,730/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,630/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,981
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,100
−HK$1,137/mo
Today · 4.125%
HK$38,237
baseline
▲ 0.50% · 4.625%
HK$40,564
+HK$2,327/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$76,474/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,028
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,102
−HK$1,089/mo
Today · 4.125%
HK$42,191
baseline
▲ 0.50% · 4.625%
HK$44,415
+HK$2,224/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$84,382/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,987 · 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).