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$20,023
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,646
−HK$633/mo
Today · 4.125%
HK$21,279
baseline
▲ 0.50% · 4.625%
HK$22,573
+HK$1,294/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,558/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,275
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,873
−HK$606/mo
Today · 4.125%
HK$23,479
baseline
▲ 0.50% · 4.625%
HK$24,716
+HK$1,237/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,958/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,028
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,775
−HK$759/mo
Today · 4.125%
HK$25,534
baseline
▲ 0.50% · 4.625%
HK$27,088
+HK$1,554/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,068/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,730
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,447
−HK$728/mo
Today · 4.125%
HK$28,175
baseline
▲ 0.50% · 4.625%
HK$29,660
+HK$1,485/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,350/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,032
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,904
−HK$886/mo
Today · 4.125%
HK$29,790
baseline
▲ 0.50% · 4.625%
HK$31,603
+HK$1,813/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$59,580/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,186
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,022
−HK$848/mo
Today · 4.125%
HK$32,870
baseline
▲ 0.50% · 4.625%
HK$34,603
+HK$1,733/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$65,740/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,041
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,162
−HK$1,140/mo
Today · 4.125%
HK$38,302
baseline
▲ 0.50% · 4.625%
HK$40,632
+HK$2,330/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$76,604/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,096
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,171
−HK$1,091/mo
Today · 4.125%
HK$42,262
baseline
▲ 0.50% · 4.625%
HK$44,490
+HK$2,228/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$84,524/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,431 · 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).