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$20,021
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,644
−HK$633/mo
Today · 4.125%
HK$21,277
baseline
▲ 0.50% · 4.625%
HK$22,572
+HK$1,295/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,554/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,274
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,871
−HK$606/mo
Today · 4.125%
HK$23,477
baseline
▲ 0.50% · 4.625%
HK$24,714
+HK$1,237/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,954/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,026
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,773
−HK$759/mo
Today · 4.125%
HK$25,532
baseline
▲ 0.50% · 4.625%
HK$27,086
+HK$1,554/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,064/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,728
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,445
−HK$727/mo
Today · 4.125%
HK$28,172
baseline
▲ 0.50% · 4.625%
HK$29,657
+HK$1,485/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,344/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,030
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,902
−HK$886/mo
Today · 4.125%
HK$29,788
baseline
▲ 0.50% · 4.625%
HK$31,600
+HK$1,812/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$59,576/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,183
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,019
−HK$849/mo
Today · 4.125%
HK$32,868
baseline
▲ 0.50% · 4.625%
HK$34,600
+HK$1,732/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$65,736/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,038
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,159
−HK$1,139/mo
Today · 4.125%
HK$38,298
baseline
▲ 0.50% · 4.625%
HK$40,629
+HK$2,331/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$76,596/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,092
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,168
−HK$1,090/mo
Today · 4.125%
HK$42,258
baseline
▲ 0.50% · 4.625%
HK$44,486
+HK$2,228/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$84,516/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,410 · 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).