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$19,960
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,581
−HK$631/mo
Today · 4.125%
HK$21,212
baseline
▲ 0.50% · 4.625%
HK$22,503
+HK$1,291/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,424/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,205
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,801
−HK$604/mo
Today · 4.125%
HK$23,405
baseline
▲ 0.50% · 4.625%
HK$24,639
+HK$1,234/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,810/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,952
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,697
−HK$757/mo
Today · 4.125%
HK$25,454
baseline
▲ 0.50% · 4.625%
HK$27,003
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,908/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,647
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,361
−HK$725/mo
Today · 4.125%
HK$28,086
baseline
▲ 0.50% · 4.625%
HK$29,567
+HK$1,481/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,172/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,944
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,813
−HK$884/mo
Today · 4.125%
HK$29,697
baseline
▲ 0.50% · 4.625%
HK$31,504
+HK$1,807/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,394/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,088
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,921
−HK$846/mo
Today · 4.125%
HK$32,767
baseline
▲ 0.50% · 4.625%
HK$34,494
+HK$1,727/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,534/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,928
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,046
−HK$1,135/mo
Today · 4.125%
HK$38,181
baseline
▲ 0.50% · 4.625%
HK$40,505
+HK$2,324/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$76,362/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,970
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,042
−HK$1,087/mo
Today · 4.125%
HK$42,129
baseline
▲ 0.50% · 4.625%
HK$44,350
+HK$2,221/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$84,258/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,605 · 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).