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$19,941
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,561
−HK$631/mo
Today · 4.125%
HK$21,192
baseline
▲ 0.50% · 4.625%
HK$22,481
+HK$1,289/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,384/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,184
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,779
−HK$604/mo
Today · 4.125%
HK$23,383
baseline
▲ 0.50% · 4.625%
HK$24,615
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,766/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,929
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,674
−HK$756/mo
Today · 4.125%
HK$25,430
baseline
▲ 0.50% · 4.625%
HK$26,977
+HK$1,547/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,860/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,621
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,335
−HK$724/mo
Today · 4.125%
HK$28,059
baseline
▲ 0.50% · 4.625%
HK$29,538
+HK$1,479/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,118/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,918
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,786
−HK$882/mo
Today · 4.125%
HK$29,668
baseline
▲ 0.50% · 4.625%
HK$31,473
+HK$1,805/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,336/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,058
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,891
−HK$845/mo
Today · 4.125%
HK$32,736
baseline
▲ 0.50% · 4.625%
HK$34,462
+HK$1,726/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,472/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,894
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,010
−HK$1,135/mo
Today · 4.125%
HK$38,145
baseline
▲ 0.50% · 4.625%
HK$40,466
+HK$2,321/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$76,290/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,932
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$41,003
−HK$1,086/mo
Today · 4.125%
HK$42,089
baseline
▲ 0.50% · 4.625%
HK$44,308
+HK$2,219/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$84,178/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,354 · 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).