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$19,947
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,567
−HK$631/mo
Today · 4.125%
HK$21,198
baseline
▲ 0.50% · 4.625%
HK$22,487
+HK$1,289/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,396/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,190
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,786
−HK$603/mo
Today · 4.125%
HK$23,389
baseline
▲ 0.50% · 4.625%
HK$24,622
+HK$1,233/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,778/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,936
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,681
−HK$756/mo
Today · 4.125%
HK$25,437
baseline
▲ 0.50% · 4.625%
HK$26,985
+HK$1,548/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,874/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,629
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,343
−HK$724/mo
Today · 4.125%
HK$28,067
baseline
▲ 0.50% · 4.625%
HK$29,547
+HK$1,480/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,134/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,925
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,794
−HK$883/mo
Today · 4.125%
HK$29,677
baseline
▲ 0.50% · 4.625%
HK$31,482
+HK$1,805/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,354/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,067
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,900
−HK$845/mo
Today · 4.125%
HK$32,745
baseline
▲ 0.50% · 4.625%
HK$34,471
+HK$1,726/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,490/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,904
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,021
−HK$1,135/mo
Today · 4.125%
HK$38,156
baseline
▲ 0.50% · 4.625%
HK$40,477
+HK$2,321/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$76,312/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,943
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,014
−HK$1,087/mo
Today · 4.125%
HK$42,101
baseline
▲ 0.50% · 4.625%
HK$44,320
+HK$2,219/mo
Deposit HK$875K · loan HK$7.87M · min. income ≈ HK$84,202/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,427 · 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).