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$19,952
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,572
−HK$631/mo
Today · 4.125%
HK$21,203
baseline
▲ 0.50% · 4.625%
HK$22,493
+HK$1,290/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,406/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,196
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,791
−HK$604/mo
Today · 4.125%
HK$23,395
baseline
▲ 0.50% · 4.625%
HK$24,629
+HK$1,234/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,790/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,942
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,687
−HK$756/mo
Today · 4.125%
HK$25,443
baseline
▲ 0.50% · 4.625%
HK$26,992
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,886/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,635
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,350
−HK$724/mo
Today · 4.125%
HK$28,074
baseline
▲ 0.50% · 4.625%
HK$29,554
+HK$1,480/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,148/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,932
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,801
−HK$883/mo
Today · 4.125%
HK$29,684
baseline
▲ 0.50% · 4.625%
HK$31,490
+HK$1,806/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,368/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,075
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,908
−HK$845/mo
Today · 4.125%
HK$32,753
baseline
▲ 0.50% · 4.625%
HK$34,480
+HK$1,727/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,506/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,913
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,030
−HK$1,135/mo
Today · 4.125%
HK$38,165
baseline
▲ 0.50% · 4.625%
HK$40,487
+HK$2,322/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$76,330/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,953
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,025
−HK$1,087/mo
Today · 4.125%
HK$42,112
baseline
▲ 0.50% · 4.625%
HK$44,331
+HK$2,219/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$84,224/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,494 · 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).