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$263,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,250
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,847
−HK$605/mo
Today · 4.125%
HK$23,452
baseline
▲ 0.50% · 4.625%
HK$24,688
+HK$1,236/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,904/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,000
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,747
−HK$758/mo
Today · 4.125%
HK$25,505
baseline
▲ 0.50% · 4.625%
HK$27,057
+HK$1,552/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$51,010/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,700
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,416
−HK$726/mo
Today · 4.125%
HK$28,142
baseline
▲ 0.50% · 4.625%
HK$29,626
+HK$1,484/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$263,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,000
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,871
−HK$885/mo
Today · 4.125%
HK$29,756
baseline
▲ 0.50% · 4.625%
HK$31,566
+HK$1,810/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,512/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,150
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,985
−HK$848/mo
Today · 4.125%
HK$32,833
baseline
▲ 0.50% · 4.625%
HK$34,563
+HK$1,730/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,666/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,000
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,120
−HK$1,138/mo
Today · 4.125%
HK$38,258
baseline
▲ 0.50% · 4.625%
HK$40,585
+HK$2,327/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$76,516/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,050
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,124
−HK$1,089/mo
Today · 4.125%
HK$42,213
baseline
▲ 0.50% · 4.625%
HK$44,439
+HK$2,226/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$84,426/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,129 · 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).