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$19,965
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,586
−HK$631/mo
Today · 4.125%
HK$21,217
baseline
▲ 0.50% · 4.625%
HK$22,508
+HK$1,291/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,434/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,211
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,806
−HK$605/mo
Today · 4.125%
HK$23,411
baseline
▲ 0.50% · 4.625%
HK$24,645
+HK$1,234/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,822/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,958
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,703
−HK$757/mo
Today · 4.125%
HK$25,460
baseline
▲ 0.50% · 4.625%
HK$27,009
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,920/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,653
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,367
−HK$726/mo
Today · 4.125%
HK$28,093
baseline
▲ 0.50% · 4.625%
HK$29,573
+HK$1,480/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,186/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,951
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,820
−HK$883/mo
Today · 4.125%
HK$29,703
baseline
▲ 0.50% · 4.625%
HK$31,511
+HK$1,808/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,406/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,095
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,929
−HK$846/mo
Today · 4.125%
HK$32,775
baseline
▲ 0.50% · 4.625%
HK$34,502
+HK$1,727/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,550/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,936
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,054
−HK$1,136/mo
Today · 4.125%
HK$38,190
baseline
▲ 0.50% · 4.625%
HK$40,514
+HK$2,324/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$76,380/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,979
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,051
−HK$1,088/mo
Today · 4.125%
HK$42,139
baseline
▲ 0.50% · 4.625%
HK$44,360
+HK$2,221/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$84,278/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,664 · 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).