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$20,038
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,661
−HK$633/mo
Today · 4.125%
HK$21,294
baseline
▲ 0.50% · 4.625%
HK$22,590
+HK$1,296/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,588/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,292
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,889
−HK$607/mo
Today · 4.125%
HK$23,496
baseline
▲ 0.50% · 4.625%
HK$24,734
+HK$1,238/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,992/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,045
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,793
−HK$760/mo
Today · 4.125%
HK$25,553
baseline
▲ 0.50% · 4.625%
HK$27,108
+HK$1,555/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,106/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,750
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,467
−HK$728/mo
Today · 4.125%
HK$28,195
baseline
▲ 0.50% · 4.625%
HK$29,681
+HK$1,486/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,390/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,053
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,925
−HK$887/mo
Today · 4.125%
HK$29,812
baseline
▲ 0.50% · 4.625%
HK$31,626
+HK$1,814/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,624/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,208
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,045
−HK$849/mo
Today · 4.125%
HK$32,894
baseline
▲ 0.50% · 4.625%
HK$34,628
+HK$1,734/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,788/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,068
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,190
−HK$1,139/mo
Today · 4.125%
HK$38,329
baseline
▲ 0.50% · 4.625%
HK$40,662
+HK$2,333/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,658/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,125
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,201
−HK$1,092/mo
Today · 4.125%
HK$42,293
baseline
▲ 0.50% · 4.625%
HK$44,522
+HK$2,229/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,586/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,624 · 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).