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$19,968
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,589
−HK$631/mo
Today · 4.125%
HK$21,220
baseline
▲ 0.50% · 4.625%
HK$22,511
+HK$1,291/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,440/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,214
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,810
−HK$604/mo
Today · 4.125%
HK$23,414
baseline
▲ 0.50% · 4.625%
HK$24,649
+HK$1,235/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,828/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,962
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,707
−HK$757/mo
Today · 4.125%
HK$25,464
baseline
▲ 0.50% · 4.625%
HK$27,014
+HK$1,550/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,928/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,657
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,372
−HK$725/mo
Today · 4.125%
HK$28,097
baseline
▲ 0.50% · 4.625%
HK$29,578
+HK$1,481/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,194/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,955
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,825
−HK$883/mo
Today · 4.125%
HK$29,708
baseline
▲ 0.50% · 4.625%
HK$31,516
+HK$1,808/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,416/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,100
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,934
−HK$846/mo
Today · 4.125%
HK$32,780
baseline
▲ 0.50% · 4.625%
HK$34,508
+HK$1,728/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,560/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,943
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,061
−HK$1,135/mo
Today · 4.125%
HK$38,196
baseline
▲ 0.50% · 4.625%
HK$40,521
+HK$2,325/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$76,392/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,986
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,058
−HK$1,088/mo
Today · 4.125%
HK$42,146
baseline
▲ 0.50% · 4.625%
HK$44,368
+HK$2,222/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$84,292/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,709 · 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).