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$19,997
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,619
−HK$632/mo
Today · 4.125%
HK$21,251
baseline
▲ 0.50% · 4.625%
HK$22,544
+HK$1,293/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,502/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,246
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,843
−HK$605/mo
Today · 4.125%
HK$23,448
baseline
▲ 0.50% · 4.625%
HK$24,684
+HK$1,236/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,896/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,996
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,743
−HK$758/mo
Today · 4.125%
HK$25,501
baseline
▲ 0.50% · 4.625%
HK$27,053
+HK$1,552/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$51,002/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,696
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,412
−HK$726/mo
Today · 4.125%
HK$28,138
baseline
▲ 0.50% · 4.625%
HK$29,621
+HK$1,483/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,276/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,996
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,867
−HK$884/mo
Today · 4.125%
HK$29,751
baseline
▲ 0.50% · 4.625%
HK$31,562
+HK$1,811/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,502/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,145
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,980
−HK$848/mo
Today · 4.125%
HK$32,828
baseline
▲ 0.50% · 4.625%
HK$34,558
+HK$1,730/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,656/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,994
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,114
−HK$1,138/mo
Today · 4.125%
HK$38,252
baseline
▲ 0.50% · 4.625%
HK$40,579
+HK$2,327/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$76,504/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,043
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,117
−HK$1,090/mo
Today · 4.125%
HK$42,207
baseline
▲ 0.50% · 4.625%
HK$44,432
+HK$2,225/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$84,414/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,088 · 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).