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$20,014
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,637
−HK$632/mo
Today · 4.125%
HK$21,269
baseline
▲ 0.50% · 4.625%
HK$22,563
+HK$1,294/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,538/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,265
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,863
−HK$605/mo
Today · 4.125%
HK$23,468
baseline
▲ 0.50% · 4.625%
HK$24,705
+HK$1,237/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,936/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,017
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,764
−HK$759/mo
Today · 4.125%
HK$25,523
baseline
▲ 0.50% · 4.625%
HK$27,076
+HK$1,553/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,046/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,719
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,435
−HK$727/mo
Today · 4.125%
HK$28,162
baseline
▲ 0.50% · 4.625%
HK$29,647
+HK$1,485/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,324/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,020
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,891
−HK$886/mo
Today · 4.125%
HK$29,777
baseline
▲ 0.50% · 4.625%
HK$31,589
+HK$1,812/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,554/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,172
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,008
−HK$848/mo
Today · 4.125%
HK$32,856
baseline
▲ 0.50% · 4.625%
HK$34,588
+HK$1,732/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,712/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,025
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,146
−HK$1,138/mo
Today · 4.125%
HK$38,284
baseline
▲ 0.50% · 4.625%
HK$40,614
+HK$2,330/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$76,568/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,078
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,153
−HK$1,090/mo
Today · 4.125%
HK$42,243
baseline
▲ 0.50% · 4.625%
HK$44,470
+HK$2,227/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$84,486/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,314 · 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).