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$20,035
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,659
−HK$633/mo
Today · 4.125%
HK$21,292
baseline
▲ 0.50% · 4.625%
HK$22,587
+HK$1,295/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,584/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,289
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,887
−HK$606/mo
Today · 4.125%
HK$23,493
baseline
▲ 0.50% · 4.625%
HK$24,732
+HK$1,239/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,986/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,043
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,790
−HK$760/mo
Today · 4.125%
HK$25,550
baseline
▲ 0.50% · 4.625%
HK$27,105
+HK$1,555/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,100/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,747
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,464
−HK$728/mo
Today · 4.125%
HK$28,192
baseline
▲ 0.50% · 4.625%
HK$29,678
+HK$1,486/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,384/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,050
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,922
−HK$887/mo
Today · 4.125%
HK$29,809
baseline
▲ 0.50% · 4.625%
HK$31,622
+HK$1,813/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,618/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,205
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,042
−HK$849/mo
Today · 4.125%
HK$32,891
baseline
▲ 0.50% · 4.625%
HK$34,625
+HK$1,734/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,782/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,064
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,186
−HK$1,139/mo
Today · 4.125%
HK$38,325
baseline
▲ 0.50% · 4.625%
HK$40,657
+HK$2,332/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,650/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,121
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,197
−HK$1,091/mo
Today · 4.125%
HK$42,288
baseline
▲ 0.50% · 4.625%
HK$44,517
+HK$2,229/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,576/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,595 · 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).