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$20,666
−HK$633/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$263,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,297
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,895
−HK$607/mo
Today · 4.125%
HK$23,502
baseline
▲ 0.50% · 4.625%
HK$24,741
+HK$1,239/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$47,004/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,051
−HK$1,508/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$263,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,756
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,474
−HK$728/mo
Today · 4.125%
HK$28,202
baseline
▲ 0.50% · 4.625%
HK$29,689
+HK$1,487/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$56,404/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,059
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,932
−HK$887/mo
Today · 4.125%
HK$29,819
baseline
▲ 0.50% · 4.625%
HK$31,633
+HK$1,814/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,638/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,216
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,053
−HK$849/mo
Today · 4.125%
HK$32,902
baseline
▲ 0.50% · 4.625%
HK$34,637
+HK$1,735/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$263,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,076
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,199
−HK$1,140/mo
Today · 4.125%
HK$38,339
baseline
▲ 0.50% · 4.625%
HK$40,672
+HK$2,333/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,678/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,135
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,211
−HK$1,092/mo
Today · 4.125%
HK$42,303
baseline
▲ 0.50% · 4.625%
HK$44,533
+HK$2,230/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,606/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,688 · 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).