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$20,010
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,632
−HK$632/mo
Today · 4.125%
HK$21,264
baseline
▲ 0.50% · 4.625%
HK$22,558
+HK$1,294/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,528/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,260
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,857
−HK$606/mo
Today · 4.125%
HK$23,463
baseline
▲ 0.50% · 4.625%
HK$24,700
+HK$1,237/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,926/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,012
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,758
−HK$759/mo
Today · 4.125%
HK$25,517
baseline
▲ 0.50% · 4.625%
HK$27,070
+HK$1,553/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,034/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,713
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,429
−HK$727/mo
Today · 4.125%
HK$28,156
baseline
▲ 0.50% · 4.625%
HK$29,640
+HK$1,484/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,312/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,013
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,885
−HK$885/mo
Today · 4.125%
HK$29,770
baseline
▲ 0.50% · 4.625%
HK$31,582
+HK$1,812/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,540/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,165
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$32,000
−HK$848/mo
Today · 4.125%
HK$32,848
baseline
▲ 0.50% · 4.625%
HK$34,580
+HK$1,732/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,696/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,017
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,138
−HK$1,138/mo
Today · 4.125%
HK$38,276
baseline
▲ 0.50% · 4.625%
HK$40,605
+HK$2,329/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$76,552/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,069
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,143
−HK$1,091/mo
Today · 4.125%
HK$42,234
baseline
▲ 0.50% · 4.625%
HK$44,460
+HK$2,226/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$84,468/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,255 · 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).