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$20,036
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,660
−HK$633/mo
Today · 4.125%
HK$21,293
baseline
▲ 0.50% · 4.625%
HK$22,588
+HK$1,295/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,586/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,290
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,888
−HK$607/mo
Today · 4.125%
HK$23,495
baseline
▲ 0.50% · 4.625%
HK$24,733
+HK$1,238/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,990/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,044
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,792
−HK$759/mo
Today · 4.125%
HK$25,551
baseline
▲ 0.50% · 4.625%
HK$27,106
+HK$1,555/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,102/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,748
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,466
−HK$727/mo
Today · 4.125%
HK$28,193
baseline
▲ 0.50% · 4.625%
HK$29,680
+HK$1,487/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,386/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,051
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,923
−HK$887/mo
Today · 4.125%
HK$29,810
baseline
▲ 0.50% · 4.625%
HK$31,624
+HK$1,814/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,620/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,206
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,043
−HK$849/mo
Today · 4.125%
HK$32,892
baseline
▲ 0.50% · 4.625%
HK$34,626
+HK$1,734/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,784/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,065
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,187
−HK$1,140/mo
Today · 4.125%
HK$38,327
baseline
▲ 0.50% · 4.625%
HK$40,659
+HK$2,332/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,654/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,122
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,199
−HK$1,091/mo
Today · 4.125%
HK$42,290
baseline
▲ 0.50% · 4.625%
HK$44,519
+HK$2,229/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,580/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,607 · 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).