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$20,029
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,652
−HK$633/mo
Today · 4.125%
HK$21,285
baseline
▲ 0.50% · 4.625%
HK$22,580
+HK$1,295/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,570/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,282
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,879
−HK$607/mo
Today · 4.125%
HK$23,486
baseline
▲ 0.50% · 4.625%
HK$24,724
+HK$1,238/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,972/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,034
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,782
−HK$760/mo
Today · 4.125%
HK$25,542
baseline
▲ 0.50% · 4.625%
HK$27,096
+HK$1,554/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,084/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,738
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,455
−HK$728/mo
Today · 4.125%
HK$28,183
baseline
▲ 0.50% · 4.625%
HK$29,668
+HK$1,485/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,366/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,040
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,912
−HK$887/mo
Today · 4.125%
HK$29,799
baseline
▲ 0.50% · 4.625%
HK$31,612
+HK$1,813/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,598/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,194
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,031
−HK$849/mo
Today · 4.125%
HK$32,880
baseline
▲ 0.50% · 4.625%
HK$34,613
+HK$1,733/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,760/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,052
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,173
−HK$1,139/mo
Today · 4.125%
HK$38,312
baseline
▲ 0.50% · 4.625%
HK$40,644
+HK$2,332/mo
Deposit HK$878K · loan HK$7.91M · min. income ≈ HK$76,624/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,107
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,183
−HK$1,091/mo
Today · 4.125%
HK$42,274
baseline
▲ 0.50% · 4.625%
HK$44,502
+HK$2,228/mo
Deposit HK$878K · loan HK$7.91M · min. income ≈ HK$84,548/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,506 · 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).