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$19,984
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,606
−HK$631/mo
Today · 4.125%
HK$21,237
baseline
▲ 0.50% · 4.625%
HK$22,529
+HK$1,292/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,474/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,232
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,828
−HK$605/mo
Today · 4.125%
HK$23,433
baseline
▲ 0.50% · 4.625%
HK$24,668
+HK$1,235/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,866/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,981
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,727
−HK$757/mo
Today · 4.125%
HK$25,484
baseline
▲ 0.50% · 4.625%
HK$27,035
+HK$1,551/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$50,968/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,678
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,394
−HK$726/mo
Today · 4.125%
HK$28,120
baseline
▲ 0.50% · 4.625%
HK$29,602
+HK$1,482/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,240/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,977
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,848
−HK$884/mo
Today · 4.125%
HK$29,732
baseline
▲ 0.50% · 4.625%
HK$31,541
+HK$1,809/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,464/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,125
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,959
−HK$847/mo
Today · 4.125%
HK$32,806
baseline
▲ 0.50% · 4.625%
HK$34,535
+HK$1,729/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,612/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,971
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,090
−HK$1,137/mo
Today · 4.125%
HK$38,227
baseline
▲ 0.50% · 4.625%
HK$40,553
+HK$2,326/mo
Deposit HK$876K · loan HK$7.89M · min. income ≈ HK$76,454/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,017
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,091
−HK$1,088/mo
Today · 4.125%
HK$42,179
baseline
▲ 0.50% · 4.625%
HK$44,403
+HK$2,224/mo
Deposit HK$876K · loan HK$7.89M · min. income ≈ HK$84,358/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,917 · 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).