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$19,951
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,572
−HK$630/mo
Today · 4.125%
HK$21,202
baseline
▲ 0.50% · 4.625%
HK$22,492
+HK$1,290/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,404/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,195
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,791
−HK$603/mo
Today · 4.125%
HK$23,394
baseline
▲ 0.50% · 4.625%
HK$24,628
+HK$1,234/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,788/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,941
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,686
−HK$757/mo
Today · 4.125%
HK$25,443
baseline
▲ 0.50% · 4.625%
HK$26,991
+HK$1,548/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,886/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,634
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,349
−HK$724/mo
Today · 4.125%
HK$28,073
baseline
▲ 0.50% · 4.625%
HK$29,553
+HK$1,480/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,146/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,931
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,800
−HK$883/mo
Today · 4.125%
HK$29,683
baseline
▲ 0.50% · 4.625%
HK$31,489
+HK$1,806/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,366/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,073
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,907
−HK$845/mo
Today · 4.125%
HK$32,752
baseline
▲ 0.50% · 4.625%
HK$34,479
+HK$1,727/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,504/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,912
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,029
−HK$1,135/mo
Today · 4.125%
HK$38,164
baseline
▲ 0.50% · 4.625%
HK$40,486
+HK$2,322/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$76,328/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,952
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,023
−HK$1,087/mo
Today · 4.125%
HK$42,110
baseline
▲ 0.50% · 4.625%
HK$44,330
+HK$2,220/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$84,220/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,484 · 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).