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$20,008
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,631
−HK$632/mo
Today · 4.125%
HK$21,263
baseline
▲ 0.50% · 4.625%
HK$22,557
+HK$1,294/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,526/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,259
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,856
−HK$606/mo
Today · 4.125%
HK$23,462
baseline
▲ 0.50% · 4.625%
HK$24,698
+HK$1,236/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,924/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,010
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,757
−HK$759/mo
Today · 4.125%
HK$25,516
baseline
▲ 0.50% · 4.625%
HK$27,068
+HK$1,552/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$51,032/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,711
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,427
−HK$727/mo
Today · 4.125%
HK$28,154
baseline
▲ 0.50% · 4.625%
HK$29,638
+HK$1,484/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,308/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,012
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,883
−HK$885/mo
Today · 4.125%
HK$29,768
baseline
▲ 0.50% · 4.625%
HK$31,579
+HK$1,811/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,536/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,163
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,998
−HK$848/mo
Today · 4.125%
HK$32,846
baseline
▲ 0.50% · 4.625%
HK$34,578
+HK$1,732/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,692/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,015
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,135
−HK$1,138/mo
Today · 4.125%
HK$38,273
baseline
▲ 0.50% · 4.625%
HK$40,602
+HK$2,329/mo
Deposit HK$877K · loan HK$7.90M · min. income ≈ HK$76,546/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,066
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,141
−HK$1,090/mo
Today · 4.125%
HK$42,231
baseline
▲ 0.50% · 4.625%
HK$44,457
+HK$2,226/mo
Deposit HK$877K · loan HK$7.90M · min. income ≈ HK$84,462/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,237 · 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).