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$20,027
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,650
−HK$633/mo
Today · 4.125%
HK$21,283
baseline
▲ 0.50% · 4.625%
HK$22,578
+HK$1,295/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,566/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,280
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,877
−HK$606/mo
Today · 4.125%
HK$23,483
baseline
▲ 0.50% · 4.625%
HK$24,721
+HK$1,238/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,966/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,032
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,780
−HK$759/mo
Today · 4.125%
HK$25,539
baseline
▲ 0.50% · 4.625%
HK$27,093
+HK$1,554/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,078/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,736
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,453
−HK$727/mo
Today · 4.125%
HK$28,180
baseline
▲ 0.50% · 4.625%
HK$29,665
+HK$1,485/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,360/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,038
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,910
−HK$886/mo
Today · 4.125%
HK$29,796
baseline
▲ 0.50% · 4.625%
HK$31,609
+HK$1,813/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$59,592/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,192
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,028
−HK$849/mo
Today · 4.125%
HK$32,877
baseline
▲ 0.50% · 4.625%
HK$34,610
+HK$1,733/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$65,754/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,048
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,170
−HK$1,139/mo
Today · 4.125%
HK$38,309
baseline
▲ 0.50% · 4.625%
HK$40,640
+HK$2,331/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$76,618/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,103
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,179
−HK$1,091/mo
Today · 4.125%
HK$42,270
baseline
▲ 0.50% · 4.625%
HK$44,498
+HK$2,228/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$84,540/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,482 · 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).