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$20,004
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,626
−HK$633/mo
Today · 4.125%
HK$21,259
baseline
▲ 0.50% · 4.625%
HK$22,552
+HK$1,293/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,518/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,254
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,851
−HK$606/mo
Today · 4.125%
HK$23,457
baseline
▲ 0.50% · 4.625%
HK$24,693
+HK$1,236/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,914/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,005
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,752
−HK$758/mo
Today · 4.125%
HK$25,510
baseline
▲ 0.50% · 4.625%
HK$27,062
+HK$1,552/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$51,020/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,705
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,421
−HK$727/mo
Today · 4.125%
HK$28,148
baseline
▲ 0.50% · 4.625%
HK$29,632
+HK$1,484/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,296/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,006
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,877
−HK$885/mo
Today · 4.125%
HK$29,762
baseline
▲ 0.50% · 4.625%
HK$31,573
+HK$1,811/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,524/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,156
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,992
−HK$847/mo
Today · 4.125%
HK$32,839
baseline
▲ 0.50% · 4.625%
HK$34,570
+HK$1,731/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,678/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,007
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,127
−HK$1,138/mo
Today · 4.125%
HK$38,265
baseline
▲ 0.50% · 4.625%
HK$40,594
+HK$2,329/mo
Deposit HK$877K · loan HK$7.90M · min. income ≈ HK$76,530/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,058
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,132
−HK$1,090/mo
Today · 4.125%
HK$42,222
baseline
▲ 0.50% · 4.625%
HK$44,448
+HK$2,226/mo
Deposit HK$877K · loan HK$7.90M · min. income ≈ HK$84,444/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,183 · 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).