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$19,943
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,563
−HK$630/mo
Today · 4.125%
HK$21,193
baseline
▲ 0.50% · 4.625%
HK$22,483
+HK$1,290/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,386/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,186
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,781
−HK$604/mo
Today · 4.125%
HK$23,385
baseline
▲ 0.50% · 4.625%
HK$24,617
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,770/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,931
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,676
−HK$756/mo
Today · 4.125%
HK$25,432
baseline
▲ 0.50% · 4.625%
HK$26,979
+HK$1,547/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,864/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,623
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,337
−HK$724/mo
Today · 4.125%
HK$28,061
baseline
▲ 0.50% · 4.625%
HK$29,541
+HK$1,480/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,122/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,920
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,788
−HK$882/mo
Today · 4.125%
HK$29,670
baseline
▲ 0.50% · 4.625%
HK$31,476
+HK$1,806/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,340/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,060
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,893
−HK$845/mo
Today · 4.125%
HK$32,738
baseline
▲ 0.50% · 4.625%
HK$34,464
+HK$1,726/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,476/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,897
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,013
−HK$1,135/mo
Today · 4.125%
HK$38,148
baseline
▲ 0.50% · 4.625%
HK$40,469
+HK$2,321/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$76,296/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,935
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$41,006
−HK$1,086/mo
Today · 4.125%
HK$42,092
baseline
▲ 0.50% · 4.625%
HK$44,311
+HK$2,219/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$84,184/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,374 · 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).