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$19,962
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,583
−HK$631/mo
Today · 4.125%
HK$21,214
baseline
▲ 0.50% · 4.625%
HK$22,505
+HK$1,291/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,428/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,208
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,803
−HK$604/mo
Today · 4.125%
HK$23,407
baseline
▲ 0.50% · 4.625%
HK$24,641
+HK$1,234/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,814/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,954
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,699
−HK$758/mo
Today · 4.125%
HK$25,457
baseline
▲ 0.50% · 4.625%
HK$27,005
+HK$1,548/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,914/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,649
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,364
−HK$725/mo
Today · 4.125%
HK$28,089
baseline
▲ 0.50% · 4.625%
HK$29,569
+HK$1,480/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,178/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,947
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,816
−HK$883/mo
Today · 4.125%
HK$29,699
baseline
▲ 0.50% · 4.625%
HK$31,506
+HK$1,807/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,398/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,091
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,924
−HK$846/mo
Today · 4.125%
HK$32,770
baseline
▲ 0.50% · 4.625%
HK$34,498
+HK$1,728/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,540/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,932
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,049
−HK$1,136/mo
Today · 4.125%
HK$38,185
baseline
▲ 0.50% · 4.625%
HK$40,508
+HK$2,323/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$76,370/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,974
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,046
−HK$1,087/mo
Today · 4.125%
HK$42,133
baseline
▲ 0.50% · 4.625%
HK$44,354
+HK$2,221/mo
Deposit HK$875K · loan HK$7.88M · min. income ≈ HK$84,266/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,629 · 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).