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$20,002
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,625
−HK$632/mo
Today · 4.125%
HK$21,257
baseline
▲ 0.50% · 4.625%
HK$22,550
+HK$1,293/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,514/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,252
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,849
−HK$606/mo
Today · 4.125%
HK$23,455
baseline
▲ 0.50% · 4.625%
HK$24,691
+HK$1,236/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,910/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,003
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,749
−HK$759/mo
Today · 4.125%
HK$25,508
baseline
▲ 0.50% · 4.625%
HK$27,060
+HK$1,552/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$51,016/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,703
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,419
−HK$727/mo
Today · 4.125%
HK$28,146
baseline
▲ 0.50% · 4.625%
HK$29,629
+HK$1,483/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,292/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,003
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,874
−HK$885/mo
Today · 4.125%
HK$29,759
baseline
▲ 0.50% · 4.625%
HK$31,570
+HK$1,811/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,518/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,153
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$31,989
−HK$848/mo
Today · 4.125%
HK$32,837
baseline
▲ 0.50% · 4.625%
HK$34,567
+HK$1,730/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,674/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,004
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,124
−HK$1,138/mo
Today · 4.125%
HK$38,262
baseline
▲ 0.50% · 4.625%
HK$40,590
+HK$2,328/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$76,524/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,054
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,129
−HK$1,089/mo
Today · 4.125%
HK$42,218
baseline
▲ 0.50% · 4.625%
HK$44,444
+HK$2,226/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$84,436/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,160 · 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).