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$19,989
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,610
−HK$632/mo
Today · 4.125%
HK$21,242
baseline
▲ 0.50% · 4.625%
HK$22,535
+HK$1,293/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,484/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$262,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,237
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,833
−HK$606/mo
Today · 4.125%
HK$23,439
baseline
▲ 0.50% · 4.625%
HK$24,674
+HK$1,235/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,878/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$262,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,986
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,732
−HK$758/mo
Today · 4.125%
HK$25,490
baseline
▲ 0.50% · 4.625%
HK$27,041
+HK$1,551/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$50,980/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,685
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,400
−HK$726/mo
Today · 4.125%
HK$28,126
baseline
▲ 0.50% · 4.625%
HK$29,609
+HK$1,483/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,252/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,984
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,854
−HK$885/mo
Today · 4.125%
HK$29,739
baseline
▲ 0.50% · 4.625%
HK$31,548
+HK$1,809/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,478/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,132
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,967
−HK$847/mo
Today · 4.125%
HK$32,814
baseline
▲ 0.50% · 4.625%
HK$34,544
+HK$1,730/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,628/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,979
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,099
−HK$1,137/mo
Today · 4.125%
HK$38,236
baseline
▲ 0.50% · 4.625%
HK$40,562
+HK$2,326/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$76,472/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,027
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,100
−HK$1,089/mo
Today · 4.125%
HK$42,189
baseline
▲ 0.50% · 4.625%
HK$44,413
+HK$2,224/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$84,378/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,979 · 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).