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$262,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,214
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,809
−HK$605/mo
Today · 4.125%
HK$23,414
baseline
▲ 0.50% · 4.625%
HK$24,648
+HK$1,234/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$262,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,961
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,706
−HK$758/mo
Today · 4.125%
HK$25,464
baseline
▲ 0.50% · 4.625%
HK$27,013
+HK$1,549/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$262,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,656
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,371
−HK$726/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$262,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,955
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,824
−HK$884/mo
Today · 4.125%
HK$29,708
baseline
▲ 0.50% · 4.625%
HK$31,515
+HK$1,807/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$262,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,099
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,933
−HK$846/mo
Today · 4.125%
HK$32,779
baseline
▲ 0.50% · 4.625%
HK$34,507
+HK$1,728/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,558/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,942
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,060
−HK$1,135/mo
Today · 4.125%
HK$38,195
baseline
▲ 0.50% · 4.625%
HK$40,520
+HK$2,325/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$76,390/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,985
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,057
−HK$1,088/mo
Today · 4.125%
HK$42,145
baseline
▲ 0.50% · 4.625%
HK$44,366
+HK$2,221/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$84,290/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,702 · 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).