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$20,003
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,626
−HK$632/mo
Today · 4.125%
HK$21,258
baseline
▲ 0.50% · 4.625%
HK$22,551
+HK$1,293/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,516/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,254
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,850
−HK$606/mo
Today · 4.125%
HK$23,456
baseline
▲ 0.50% · 4.625%
HK$24,692
+HK$1,236/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,912/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,004
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,751
−HK$758/mo
Today · 4.125%
HK$25,509
baseline
▲ 0.50% · 4.625%
HK$27,062
+HK$1,553/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$51,018/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,704
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,421
−HK$726/mo
Today · 4.125%
HK$28,147
baseline
▲ 0.50% · 4.625%
HK$29,631
+HK$1,484/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,294/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,005
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,876
−HK$885/mo
Today · 4.125%
HK$29,761
baseline
▲ 0.50% · 4.625%
HK$31,572
+HK$1,811/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,522/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,155
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,991
−HK$847/mo
Today · 4.125%
HK$32,838
baseline
▲ 0.50% · 4.625%
HK$34,569
+HK$1,731/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,676/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,006
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,126
−HK$1,138/mo
Today · 4.125%
HK$38,264
baseline
▲ 0.50% · 4.625%
HK$40,592
+HK$2,328/mo
Deposit HK$877K · loan HK$7.90M · min. income ≈ HK$76,528/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,057
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,131
−HK$1,090/mo
Today · 4.125%
HK$42,221
baseline
▲ 0.50% · 4.625%
HK$44,446
+HK$2,225/mo
Deposit HK$877K · loan HK$7.90M · min. income ≈ HK$84,442/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,174 · 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).