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$20,020
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,643
−HK$632/mo
Today · 4.125%
HK$21,275
baseline
▲ 0.50% · 4.625%
HK$22,570
+HK$1,295/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,550/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,272
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,869
−HK$606/mo
Today · 4.125%
HK$23,475
baseline
▲ 0.50% · 4.625%
HK$24,713
+HK$1,238/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,950/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,024
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,771
−HK$759/mo
Today · 4.125%
HK$25,530
baseline
▲ 0.50% · 4.625%
HK$27,084
+HK$1,554/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,060/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,726
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,443
−HK$727/mo
Today · 4.125%
HK$28,170
baseline
▲ 0.50% · 4.625%
HK$29,655
+HK$1,485/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,340/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,028
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,900
−HK$885/mo
Today · 4.125%
HK$29,785
baseline
▲ 0.50% · 4.625%
HK$31,598
+HK$1,813/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$59,570/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,181
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,017
−HK$848/mo
Today · 4.125%
HK$32,865
baseline
▲ 0.50% · 4.625%
HK$34,598
+HK$1,733/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$65,730/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,036
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,157
−HK$1,138/mo
Today · 4.125%
HK$38,295
baseline
▲ 0.50% · 4.625%
HK$40,626
+HK$2,331/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$76,590/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,089
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,165
−HK$1,090/mo
Today · 4.125%
HK$42,255
baseline
▲ 0.50% · 4.625%
HK$44,483
+HK$2,228/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$84,510/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,390 · 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).