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$19,953
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,573
−HK$631/mo
Today · 4.125%
HK$21,204
baseline
▲ 0.50% · 4.625%
HK$22,494
+HK$1,290/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,408/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,197
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,792
−HK$604/mo
Today · 4.125%
HK$23,396
baseline
▲ 0.50% · 4.625%
HK$24,630
+HK$1,234/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,792/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,943
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,688
−HK$757/mo
Today · 4.125%
HK$25,445
baseline
▲ 0.50% · 4.625%
HK$26,993
+HK$1,548/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,890/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,637
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,351
−HK$725/mo
Today · 4.125%
HK$28,076
baseline
▲ 0.50% · 4.625%
HK$29,556
+HK$1,480/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,152/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,934
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,803
−HK$882/mo
Today · 4.125%
HK$29,685
baseline
▲ 0.50% · 4.625%
HK$31,492
+HK$1,807/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,370/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,076
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,909
−HK$846/mo
Today · 4.125%
HK$32,755
baseline
▲ 0.50% · 4.625%
HK$34,482
+HK$1,727/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,510/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,915
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,032
−HK$1,135/mo
Today · 4.125%
HK$38,167
baseline
▲ 0.50% · 4.625%
HK$40,489
+HK$2,322/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$76,334/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,955
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,026
−HK$1,088/mo
Today · 4.125%
HK$42,114
baseline
▲ 0.50% · 4.625%
HK$44,333
+HK$2,219/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$84,228/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,506 · 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).