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$20,016
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,639
−HK$632/mo
Today · 4.125%
HK$21,271
baseline
▲ 0.50% · 4.625%
HK$22,566
+HK$1,295/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,542/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,268
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,865
−HK$606/mo
Today · 4.125%
HK$23,471
baseline
▲ 0.50% · 4.625%
HK$24,708
+HK$1,237/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,942/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,019
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,766
−HK$760/mo
Today · 4.125%
HK$25,526
baseline
▲ 0.50% · 4.625%
HK$27,079
+HK$1,553/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,052/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,721
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,438
−HK$727/mo
Today · 4.125%
HK$28,165
baseline
▲ 0.50% · 4.625%
HK$29,650
+HK$1,485/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,330/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,023
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,894
−HK$886/mo
Today · 4.125%
HK$29,780
baseline
▲ 0.50% · 4.625%
HK$31,592
+HK$1,812/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,560/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,175
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,011
−HK$848/mo
Today · 4.125%
HK$32,859
baseline
▲ 0.50% · 4.625%
HK$34,591
+HK$1,732/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,718/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,029
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,150
−HK$1,138/mo
Today · 4.125%
HK$38,288
baseline
▲ 0.50% · 4.625%
HK$40,618
+HK$2,330/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$76,576/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,082
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,157
−HK$1,090/mo
Today · 4.125%
HK$42,247
baseline
▲ 0.50% · 4.625%
HK$44,474
+HK$2,227/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$84,494/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,341 · 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).