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$19,959
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,580
−HK$631/mo
Today · 4.125%
HK$21,211
baseline
▲ 0.50% · 4.625%
HK$22,502
+HK$1,291/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,422/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,205
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,800
−HK$604/mo
Today · 4.125%
HK$23,404
baseline
▲ 0.50% · 4.625%
HK$24,638
+HK$1,234/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,808/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,951
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,696
−HK$757/mo
Today · 4.125%
HK$25,453
baseline
▲ 0.50% · 4.625%
HK$27,002
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,906/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,645
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,360
−HK$725/mo
Today · 4.125%
HK$28,085
baseline
▲ 0.50% · 4.625%
HK$29,565
+HK$1,480/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,170/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,943
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,812
−HK$883/mo
Today · 4.125%
HK$29,695
baseline
▲ 0.50% · 4.625%
HK$31,502
+HK$1,807/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,390/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,086
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,920
−HK$846/mo
Today · 4.125%
HK$32,766
baseline
▲ 0.50% · 4.625%
HK$34,493
+HK$1,727/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,532/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,927
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,044
−HK$1,136/mo
Today · 4.125%
HK$38,180
baseline
▲ 0.50% · 4.625%
HK$40,503
+HK$2,323/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$76,360/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,968
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,040
−HK$1,088/mo
Today · 4.125%
HK$42,128
baseline
▲ 0.50% · 4.625%
HK$44,348
+HK$2,220/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$84,256/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,593 · 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).