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$20,032
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,655
−HK$633/mo
Today · 4.125%
HK$21,288
baseline
▲ 0.50% · 4.625%
HK$22,584
+HK$1,296/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,576/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,286
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,883
−HK$607/mo
Today · 4.125%
HK$23,490
baseline
▲ 0.50% · 4.625%
HK$24,728
+HK$1,238/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,980/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,039
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,786
−HK$760/mo
Today · 4.125%
HK$25,546
baseline
▲ 0.50% · 4.625%
HK$27,100
+HK$1,554/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,092/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,743
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,460
−HK$727/mo
Today · 4.125%
HK$28,187
baseline
▲ 0.50% · 4.625%
HK$29,673
+HK$1,486/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,374/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,045
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,917
−HK$887/mo
Today · 4.125%
HK$29,804
baseline
▲ 0.50% · 4.625%
HK$31,617
+HK$1,813/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,608/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,200
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,037
−HK$848/mo
Today · 4.125%
HK$32,885
baseline
▲ 0.50% · 4.625%
HK$34,619
+HK$1,734/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,770/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,058
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,179
−HK$1,140/mo
Today · 4.125%
HK$38,319
baseline
▲ 0.50% · 4.625%
HK$40,651
+HK$2,332/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,638/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,114
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,190
−HK$1,091/mo
Today · 4.125%
HK$42,281
baseline
▲ 0.50% · 4.625%
HK$44,510
+HK$2,229/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,562/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,552 · 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).