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$20,028
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,651
−HK$632/mo
Today · 4.125%
HK$21,283
baseline
▲ 0.50% · 4.625%
HK$22,579
+HK$1,296/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,566/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,280
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,878
−HK$606/mo
Today · 4.125%
HK$23,484
baseline
▲ 0.50% · 4.625%
HK$24,722
+HK$1,238/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,968/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,033
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,781
−HK$759/mo
Today · 4.125%
HK$25,540
baseline
▲ 0.50% · 4.625%
HK$27,094
+HK$1,554/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,080/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,737
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,454
−HK$727/mo
Today · 4.125%
HK$28,181
baseline
▲ 0.50% · 4.625%
HK$29,667
+HK$1,486/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,362/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,039
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,911
−HK$886/mo
Today · 4.125%
HK$29,797
baseline
▲ 0.50% · 4.625%
HK$31,610
+HK$1,813/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$59,594/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,193
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,029
−HK$849/mo
Today · 4.125%
HK$32,878
baseline
▲ 0.50% · 4.625%
HK$34,611
+HK$1,733/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$65,756/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,050
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,171
−HK$1,139/mo
Today · 4.125%
HK$38,310
baseline
▲ 0.50% · 4.625%
HK$40,641
+HK$2,331/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$76,620/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,105
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,180
−HK$1,092/mo
Today · 4.125%
HK$42,272
baseline
▲ 0.50% · 4.625%
HK$44,500
+HK$2,228/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$84,544/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,492 · 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).