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$19,985
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,607
−HK$632/mo
Today · 4.125%
HK$21,239
baseline
▲ 0.50% · 4.625%
HK$22,531
+HK$1,292/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,478/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$262,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,233
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,830
−HK$605/mo
Today · 4.125%
HK$23,435
baseline
▲ 0.50% · 4.625%
HK$24,670
+HK$1,235/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,870/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$262,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,982
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,728
−HK$758/mo
Today · 4.125%
HK$25,486
baseline
▲ 0.50% · 4.625%
HK$27,037
+HK$1,551/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$50,972/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,680
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,396
−HK$726/mo
Today · 4.125%
HK$28,122
baseline
▲ 0.50% · 4.625%
HK$29,604
+HK$1,482/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,244/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,979
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,850
−HK$884/mo
Today · 4.125%
HK$29,734
baseline
▲ 0.50% · 4.625%
HK$31,543
+HK$1,809/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,468/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,127
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,962
−HK$846/mo
Today · 4.125%
HK$32,808
baseline
▲ 0.50% · 4.625%
HK$34,538
+HK$1,730/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,616/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,974
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,092
−HK$1,137/mo
Today · 4.125%
HK$38,229
baseline
▲ 0.50% · 4.625%
HK$40,556
+HK$2,327/mo
Deposit HK$876K · loan HK$7.89M · min. income ≈ HK$76,458/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,020
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,093
−HK$1,089/mo
Today · 4.125%
HK$42,182
baseline
▲ 0.50% · 4.625%
HK$44,406
+HK$2,224/mo
Deposit HK$876K · loan HK$7.89M · min. income ≈ HK$84,364/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,935 · 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).