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$20,042
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,665
−HK$633/mo
Today · 4.125%
HK$21,298
baseline
▲ 0.50% · 4.625%
HK$22,594
+HK$1,296/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,596/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,296
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,894
−HK$607/mo
Today · 4.125%
HK$23,501
baseline
▲ 0.50% · 4.625%
HK$24,739
+HK$1,238/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$47,002/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,050
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,798
−HK$760/mo
Today · 4.125%
HK$25,558
baseline
▲ 0.50% · 4.625%
HK$27,113
+HK$1,555/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$51,116/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,755
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,473
−HK$728/mo
Today · 4.125%
HK$28,201
baseline
▲ 0.50% · 4.625%
HK$29,687
+HK$1,486/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$56,402/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,058
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,931
−HK$887/mo
Today · 4.125%
HK$29,818
baseline
▲ 0.50% · 4.625%
HK$31,632
+HK$1,814/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,636/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,214
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,052
−HK$849/mo
Today · 4.125%
HK$32,901
baseline
▲ 0.50% · 4.625%
HK$34,635
+HK$1,734/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,802/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,075
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,197
−HK$1,140/mo
Today · 4.125%
HK$38,337
baseline
▲ 0.50% · 4.625%
HK$40,670
+HK$2,333/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,674/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,133
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,209
−HK$1,092/mo
Today · 4.125%
HK$42,301
baseline
▲ 0.50% · 4.625%
HK$44,531
+HK$2,230/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,602/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,676 · 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).