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$19,949
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,569
−HK$631/mo
Today · 4.125%
HK$21,200
baseline
▲ 0.50% · 4.625%
HK$22,490
+HK$1,290/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,400/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,193
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,788
−HK$604/mo
Today · 4.125%
HK$23,392
baseline
▲ 0.50% · 4.625%
HK$24,625
+HK$1,233/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,784/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,939
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,683
−HK$757/mo
Today · 4.125%
HK$25,440
baseline
▲ 0.50% · 4.625%
HK$26,988
+HK$1,548/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,880/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,632
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,346
−HK$724/mo
Today · 4.125%
HK$28,070
baseline
▲ 0.50% · 4.625%
HK$29,550
+HK$1,480/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,140/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,929
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,797
−HK$883/mo
Today · 4.125%
HK$29,680
baseline
▲ 0.50% · 4.625%
HK$31,486
+HK$1,806/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,360/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,070
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,903
−HK$846/mo
Today · 4.125%
HK$32,749
baseline
▲ 0.50% · 4.625%
HK$34,475
+HK$1,726/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,498/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,908
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,025
−HK$1,135/mo
Today · 4.125%
HK$38,160
baseline
▲ 0.50% · 4.625%
HK$40,482
+HK$2,322/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$76,320/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,947
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,019
−HK$1,087/mo
Today · 4.125%
HK$42,106
baseline
▲ 0.50% · 4.625%
HK$44,325
+HK$2,219/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$84,212/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,457 · 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).