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$19,971
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,593
−HK$631/mo
Today · 4.125%
HK$21,224
baseline
▲ 0.50% · 4.625%
HK$22,515
+HK$1,291/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,448/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,218
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,814
−HK$604/mo
Today · 4.125%
HK$23,418
baseline
▲ 0.50% · 4.625%
HK$24,653
+HK$1,235/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,836/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,966
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,711
−HK$758/mo
Today · 4.125%
HK$25,469
baseline
▲ 0.50% · 4.625%
HK$27,018
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.26M · min. income ≈ HK$50,938/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,662
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,377
−HK$725/mo
Today · 4.125%
HK$28,102
baseline
▲ 0.50% · 4.625%
HK$29,583
+HK$1,481/mo
Deposit HK$3.50M · loan HK$5.26M · min. income ≈ HK$56,204/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,960
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,830
−HK$883/mo
Today · 4.125%
HK$29,713
baseline
▲ 0.50% · 4.625%
HK$31,521
+HK$1,808/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,426/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,105
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,940
−HK$846/mo
Today · 4.125%
HK$32,786
baseline
▲ 0.50% · 4.625%
HK$34,514
+HK$1,728/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,572/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,949
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,067
−HK$1,136/mo
Today · 4.125%
HK$38,203
baseline
▲ 0.50% · 4.625%
HK$40,528
+HK$2,325/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$76,406/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,993
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,065
−HK$1,088/mo
Today · 4.125%
HK$42,153
baseline
▲ 0.50% · 4.625%
HK$44,375
+HK$2,222/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$84,306/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,754 · 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).