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$19,990
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,612
−HK$631/mo
Today · 4.125%
HK$21,243
baseline
▲ 0.50% · 4.625%
HK$22,536
+HK$1,293/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,486/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$262,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,238
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,835
−HK$605/mo
Today · 4.125%
HK$23,440
baseline
▲ 0.50% · 4.625%
HK$24,675
+HK$1,235/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,880/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$262,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,988
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,734
−HK$758/mo
Today · 4.125%
HK$25,492
baseline
▲ 0.50% · 4.625%
HK$27,043
+HK$1,551/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$50,984/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,686
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,402
−HK$726/mo
Today · 4.125%
HK$28,128
baseline
▲ 0.50% · 4.625%
HK$29,610
+HK$1,482/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,256/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,986
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,856
−HK$885/mo
Today · 4.125%
HK$29,741
baseline
▲ 0.50% · 4.625%
HK$31,550
+HK$1,809/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,482/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,134
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,969
−HK$847/mo
Today · 4.125%
HK$32,816
baseline
▲ 0.50% · 4.625%
HK$34,546
+HK$1,730/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,632/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,982
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,101
−HK$1,137/mo
Today · 4.125%
HK$38,238
baseline
▲ 0.50% · 4.625%
HK$40,565
+HK$2,327/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$76,476/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,029
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,103
−HK$1,089/mo
Today · 4.125%
HK$42,192
baseline
▲ 0.50% · 4.625%
HK$44,416
+HK$2,224/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$84,384/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,994 · 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).