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$20,042
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,665
−HK$634/mo
Today · 4.125%
HK$21,299
baseline
▲ 0.50% · 4.625%
HK$22,595
+HK$1,296/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,598/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,297
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,895
−HK$606/mo
Today · 4.125%
HK$23,501
baseline
▲ 0.50% · 4.625%
HK$24,740
+HK$1,239/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$47,002/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,050
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,799
−HK$760/mo
Today · 4.125%
HK$25,559
baseline
▲ 0.50% · 4.625%
HK$27,114
+HK$1,555/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$51,118/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,756
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,473
−HK$728/mo
Today · 4.125%
HK$28,201
baseline
▲ 0.50% · 4.625%
HK$29,688
+HK$1,487/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$56,402/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,059
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,932
−HK$886/mo
Today · 4.125%
HK$29,818
baseline
▲ 0.50% · 4.625%
HK$31,633
+HK$1,815/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,636/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,215
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,052
−HK$850/mo
Today · 4.125%
HK$32,902
baseline
▲ 0.50% · 4.625%
HK$34,636
+HK$1,734/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,804/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,076
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,198
−HK$1,140/mo
Today · 4.125%
HK$38,338
baseline
▲ 0.50% · 4.625%
HK$40,671
+HK$2,333/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,676/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,134
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,210
−HK$1,092/mo
Today · 4.125%
HK$42,302
baseline
▲ 0.50% · 4.625%
HK$44,532
+HK$2,230/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,604/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,682 · 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).