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$20,029
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,652
−HK$632/mo
Today · 4.125%
HK$21,284
baseline
▲ 0.50% · 4.625%
HK$22,580
+HK$1,296/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,568/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,282
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,879
−HK$606/mo
Today · 4.125%
HK$23,485
baseline
▲ 0.50% · 4.625%
HK$24,723
+HK$1,238/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,970/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,034
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,782
−HK$759/mo
Today · 4.125%
HK$25,541
baseline
▲ 0.50% · 4.625%
HK$27,096
+HK$1,555/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,082/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,738
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,455
−HK$727/mo
Today · 4.125%
HK$28,182
baseline
▲ 0.50% · 4.625%
HK$29,668
+HK$1,486/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,364/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,040
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,912
−HK$886/mo
Today · 4.125%
HK$29,798
baseline
▲ 0.50% · 4.625%
HK$31,611
+HK$1,813/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,596/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,194
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,031
−HK$848/mo
Today · 4.125%
HK$32,879
baseline
▲ 0.50% · 4.625%
HK$34,613
+HK$1,734/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,758/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,051
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,173
−HK$1,139/mo
Today · 4.125%
HK$38,312
baseline
▲ 0.50% · 4.625%
HK$40,643
+HK$2,331/mo
Deposit HK$878K · loan HK$7.91M · min. income ≈ HK$76,624/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,107
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,182
−HK$1,092/mo
Today · 4.125%
HK$42,274
baseline
▲ 0.50% · 4.625%
HK$44,502
+HK$2,228/mo
Deposit HK$878K · loan HK$7.91M · min. income ≈ HK$84,548/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,504 · 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).