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$19,945
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,565
−HK$631/mo
Today · 4.125%
HK$21,196
baseline
▲ 0.50% · 4.625%
HK$22,485
+HK$1,289/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,392/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,189
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,784
−HK$603/mo
Today · 4.125%
HK$23,387
baseline
▲ 0.50% · 4.625%
HK$24,620
+HK$1,233/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,774/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,934
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,678
−HK$757/mo
Today · 4.125%
HK$25,435
baseline
▲ 0.50% · 4.625%
HK$26,982
+HK$1,547/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,870/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,626
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,340
−HK$725/mo
Today · 4.125%
HK$28,065
baseline
▲ 0.50% · 4.625%
HK$29,544
+HK$1,479/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,130/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,923
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,791
−HK$883/mo
Today · 4.125%
HK$29,674
baseline
▲ 0.50% · 4.625%
HK$31,479
+HK$1,805/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,348/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,064
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,897
−HK$845/mo
Today · 4.125%
HK$32,742
baseline
▲ 0.50% · 4.625%
HK$34,468
+HK$1,726/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,484/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,901
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,018
−HK$1,134/mo
Today · 4.125%
HK$38,152
baseline
▲ 0.50% · 4.625%
HK$40,474
+HK$2,322/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$76,304/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,939
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,010
−HK$1,087/mo
Today · 4.125%
HK$42,097
baseline
▲ 0.50% · 4.625%
HK$44,316
+HK$2,219/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$84,194/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,404 · 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).