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$20,015
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,637
−HK$633/mo
Today · 4.125%
HK$21,270
baseline
▲ 0.50% · 4.625%
HK$22,564
+HK$1,294/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,540/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,266
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,863
−HK$606/mo
Today · 4.125%
HK$23,469
baseline
▲ 0.50% · 4.625%
HK$24,706
+HK$1,237/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,938/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,018
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,765
−HK$759/mo
Today · 4.125%
HK$25,524
baseline
▲ 0.50% · 4.625%
HK$27,077
+HK$1,553/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,048/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,719
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,436
−HK$727/mo
Today · 4.125%
HK$28,163
baseline
▲ 0.50% · 4.625%
HK$29,648
+HK$1,485/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,326/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,021
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,892
−HK$886/mo
Today · 4.125%
HK$29,778
baseline
▲ 0.50% · 4.625%
HK$31,590
+HK$1,812/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,556/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,173
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,009
−HK$848/mo
Today · 4.125%
HK$32,857
baseline
▲ 0.50% · 4.625%
HK$34,589
+HK$1,732/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,714/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,027
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,147
−HK$1,139/mo
Today · 4.125%
HK$38,286
baseline
▲ 0.50% · 4.625%
HK$40,615
+HK$2,329/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$76,572/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,079
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,154
−HK$1,091/mo
Today · 4.125%
HK$42,245
baseline
▲ 0.50% · 4.625%
HK$44,471
+HK$2,226/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$84,490/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,323 · 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).