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$19,984
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,606
−HK$631/mo
Today · 4.125%
HK$21,237
baseline
▲ 0.50% · 4.625%
HK$22,530
+HK$1,293/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,474/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,232
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,828
−HK$605/mo
Today · 4.125%
HK$23,433
baseline
▲ 0.50% · 4.625%
HK$24,669
+HK$1,236/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,866/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,981
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,727
−HK$758/mo
Today · 4.125%
HK$25,485
baseline
▲ 0.50% · 4.625%
HK$27,035
+HK$1,550/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$50,970/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,679
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,394
−HK$726/mo
Today · 4.125%
HK$28,120
baseline
▲ 0.50% · 4.625%
HK$29,602
+HK$1,482/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,240/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,978
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,848
−HK$884/mo
Today · 4.125%
HK$29,732
baseline
▲ 0.50% · 4.625%
HK$31,541
+HK$1,809/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,464/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,125
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,960
−HK$847/mo
Today · 4.125%
HK$32,807
baseline
▲ 0.50% · 4.625%
HK$34,536
+HK$1,729/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,614/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,971
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,090
−HK$1,137/mo
Today · 4.125%
HK$38,227
baseline
▲ 0.50% · 4.625%
HK$40,553
+HK$2,326/mo
Deposit HK$876K · loan HK$7.89M · min. income ≈ HK$76,454/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,018
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,091
−HK$1,089/mo
Today · 4.125%
HK$42,180
baseline
▲ 0.50% · 4.625%
HK$44,403
+HK$2,223/mo
Deposit HK$876K · loan HK$7.89M · min. income ≈ HK$84,360/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,920 · 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).