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$19,969
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,590
−HK$631/mo
Today · 4.125%
HK$21,221
baseline
▲ 0.50% · 4.625%
HK$22,513
+HK$1,292/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,442/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,216
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,811
−HK$605/mo
Today · 4.125%
HK$23,416
baseline
▲ 0.50% · 4.625%
HK$24,650
+HK$1,234/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,832/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,963
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,708
−HK$758/mo
Today · 4.125%
HK$25,466
baseline
▲ 0.50% · 4.625%
HK$27,015
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,932/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,659
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,374
−HK$725/mo
Today · 4.125%
HK$28,099
baseline
▲ 0.50% · 4.625%
HK$29,580
+HK$1,481/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,198/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,957
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,827
−HK$883/mo
Today · 4.125%
HK$29,710
baseline
▲ 0.50% · 4.625%
HK$31,518
+HK$1,808/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,420/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,102
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,936
−HK$846/mo
Today · 4.125%
HK$32,782
baseline
▲ 0.50% · 4.625%
HK$34,510
+HK$1,728/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,564/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,945
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,063
−HK$1,136/mo
Today · 4.125%
HK$38,199
baseline
▲ 0.50% · 4.625%
HK$40,523
+HK$2,324/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$76,398/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,988
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,060
−HK$1,088/mo
Today · 4.125%
HK$42,148
baseline
▲ 0.50% · 4.625%
HK$44,370
+HK$2,222/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$84,296/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,724 · 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).