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$20,039
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,662
−HK$634/mo
Today · 4.125%
HK$21,296
baseline
▲ 0.50% · 4.625%
HK$22,591
+HK$1,295/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,592/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,293
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,891
−HK$607/mo
Today · 4.125%
HK$23,498
baseline
▲ 0.50% · 4.625%
HK$24,736
+HK$1,238/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,996/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,047
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,795
−HK$760/mo
Today · 4.125%
HK$25,555
baseline
▲ 0.50% · 4.625%
HK$27,110
+HK$1,555/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$51,110/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,752
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,469
−HK$728/mo
Today · 4.125%
HK$28,197
baseline
▲ 0.50% · 4.625%
HK$29,683
+HK$1,486/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$56,394/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,055
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,927
−HK$887/mo
Today · 4.125%
HK$29,814
baseline
▲ 0.50% · 4.625%
HK$31,628
+HK$1,814/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,628/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,210
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,048
−HK$849/mo
Today · 4.125%
HK$32,897
baseline
▲ 0.50% · 4.625%
HK$34,631
+HK$1,734/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,794/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,070
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,192
−HK$1,140/mo
Today · 4.125%
HK$38,332
baseline
▲ 0.50% · 4.625%
HK$40,665
+HK$2,333/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,664/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,128
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,204
−HK$1,092/mo
Today · 4.125%
HK$42,296
baseline
▲ 0.50% · 4.625%
HK$44,525
+HK$2,229/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,592/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,642 · 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).