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$20,000
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,622
−HK$632/mo
Today · 4.125%
HK$21,254
baseline
▲ 0.50% · 4.625%
HK$22,547
+HK$1,293/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,508/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,249
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,846
−HK$605/mo
Today · 4.125%
HK$23,451
baseline
▲ 0.50% · 4.625%
HK$24,687
+HK$1,236/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,902/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,999
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,746
−HK$758/mo
Today · 4.125%
HK$25,504
baseline
▲ 0.50% · 4.625%
HK$27,056
+HK$1,552/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$51,008/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,699
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,415
−HK$727/mo
Today · 4.125%
HK$28,142
baseline
▲ 0.50% · 4.625%
HK$29,625
+HK$1,483/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,284/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,999
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,870
−HK$885/mo
Today · 4.125%
HK$29,755
baseline
▲ 0.50% · 4.625%
HK$31,566
+HK$1,811/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,510/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,149
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,984
−HK$848/mo
Today · 4.125%
HK$32,832
baseline
▲ 0.50% · 4.625%
HK$34,562
+HK$1,730/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,664/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,999
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,119
−HK$1,138/mo
Today · 4.125%
HK$38,257
baseline
▲ 0.50% · 4.625%
HK$40,584
+HK$2,327/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$76,514/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,049
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,123
−HK$1,089/mo
Today · 4.125%
HK$42,212
baseline
▲ 0.50% · 4.625%
HK$44,437
+HK$2,225/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$84,424/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,122 · 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).