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$20,025
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,648
−HK$633/mo
Today · 4.125%
HK$21,281
baseline
▲ 0.50% · 4.625%
HK$22,576
+HK$1,295/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,562/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,278
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,876
−HK$606/mo
Today · 4.125%
HK$23,482
baseline
▲ 0.50% · 4.625%
HK$24,719
+HK$1,237/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,964/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,031
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,778
−HK$759/mo
Today · 4.125%
HK$25,537
baseline
▲ 0.50% · 4.625%
HK$27,091
+HK$1,554/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,074/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,734
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,451
−HK$727/mo
Today · 4.125%
HK$28,178
baseline
▲ 0.50% · 4.625%
HK$29,663
+HK$1,485/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,356/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,036
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,908
−HK$886/mo
Today · 4.125%
HK$29,794
baseline
▲ 0.50% · 4.625%
HK$31,607
+HK$1,813/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$59,588/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,189
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,026
−HK$848/mo
Today · 4.125%
HK$32,874
baseline
▲ 0.50% · 4.625%
HK$34,607
+HK$1,733/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$65,748/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,046
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,167
−HK$1,139/mo
Today · 4.125%
HK$38,306
baseline
▲ 0.50% · 4.625%
HK$40,637
+HK$2,331/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$76,612/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,101
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,176
−HK$1,091/mo
Today · 4.125%
HK$42,267
baseline
▲ 0.50% · 4.625%
HK$44,495
+HK$2,228/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$84,534/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,463 · 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).