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$20,017
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,639
−HK$633/mo
Today · 4.125%
HK$21,272
baseline
▲ 0.50% · 4.625%
HK$22,566
+HK$1,294/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,544/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,269
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,866
−HK$606/mo
Today · 4.125%
HK$23,472
baseline
▲ 0.50% · 4.625%
HK$24,709
+HK$1,237/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,944/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,020
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,767
−HK$760/mo
Today · 4.125%
HK$25,527
baseline
▲ 0.50% · 4.625%
HK$27,080
+HK$1,553/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,054/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,722
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,439
−HK$727/mo
Today · 4.125%
HK$28,166
baseline
▲ 0.50% · 4.625%
HK$29,651
+HK$1,485/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,332/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,024
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,895
−HK$886/mo
Today · 4.125%
HK$29,781
baseline
▲ 0.50% · 4.625%
HK$31,593
+HK$1,812/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,562/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,176
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,012
−HK$848/mo
Today · 4.125%
HK$32,860
baseline
▲ 0.50% · 4.625%
HK$34,592
+HK$1,732/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,720/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,030
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,151
−HK$1,139/mo
Today · 4.125%
HK$38,290
baseline
▲ 0.50% · 4.625%
HK$40,620
+HK$2,330/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$76,580/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,083
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,158
−HK$1,091/mo
Today · 4.125%
HK$42,249
baseline
▲ 0.50% · 4.625%
HK$44,476
+HK$2,227/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$84,498/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,351 · 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).