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$19,994
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,616
−HK$632/mo
Today · 4.125%
HK$21,248
baseline
▲ 0.50% · 4.625%
HK$22,540
+HK$1,292/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,496/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,243
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,839
−HK$606/mo
Today · 4.125%
HK$23,445
baseline
▲ 0.50% · 4.625%
HK$24,680
+HK$1,235/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,890/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,992
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,739
−HK$758/mo
Today · 4.125%
HK$25,497
baseline
▲ 0.50% · 4.625%
HK$27,048
+HK$1,551/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$50,994/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,691
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,407
−HK$726/mo
Today · 4.125%
HK$28,133
baseline
▲ 0.50% · 4.625%
HK$29,616
+HK$1,483/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,266/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,991
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,862
−HK$885/mo
Today · 4.125%
HK$29,747
baseline
▲ 0.50% · 4.625%
HK$31,557
+HK$1,810/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,494/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,140
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,975
−HK$847/mo
Today · 4.125%
HK$32,822
baseline
▲ 0.50% · 4.625%
HK$34,552
+HK$1,730/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,644/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,989
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,108
−HK$1,138/mo
Today · 4.125%
HK$38,246
baseline
▲ 0.50% · 4.625%
HK$40,573
+HK$2,327/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$76,492/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,037
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,111
−HK$1,089/mo
Today · 4.125%
HK$42,200
baseline
▲ 0.50% · 4.625%
HK$44,425
+HK$2,225/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$84,400/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,046 · 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).