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$19,983
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,605
−HK$631/mo
Today · 4.125%
HK$21,236
baseline
▲ 0.50% · 4.625%
HK$22,529
+HK$1,293/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,472/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,231
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,828
−HK$604/mo
Today · 4.125%
HK$23,432
baseline
▲ 0.50% · 4.625%
HK$24,668
+HK$1,236/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,864/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,980
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,726
−HK$758/mo
Today · 4.125%
HK$25,484
baseline
▲ 0.50% · 4.625%
HK$27,034
+HK$1,550/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$50,968/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,678
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,393
−HK$726/mo
Today · 4.125%
HK$28,119
baseline
▲ 0.50% · 4.625%
HK$29,601
+HK$1,482/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,238/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,977
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,847
−HK$884/mo
Today · 4.125%
HK$29,731
baseline
▲ 0.50% · 4.625%
HK$31,540
+HK$1,809/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,462/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,124
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,959
−HK$846/mo
Today · 4.125%
HK$32,805
baseline
▲ 0.50% · 4.625%
HK$34,535
+HK$1,730/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,610/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,970
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,089
−HK$1,137/mo
Today · 4.125%
HK$38,226
baseline
▲ 0.50% · 4.625%
HK$40,552
+HK$2,326/mo
Deposit HK$876K · loan HK$7.89M · min. income ≈ HK$76,452/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,016
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,090
−HK$1,088/mo
Today · 4.125%
HK$42,178
baseline
▲ 0.50% · 4.625%
HK$44,402
+HK$2,224/mo
Deposit HK$876K · loan HK$7.89M · min. income ≈ HK$84,356/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,910 · 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).