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$20,037
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,660
−HK$633/mo
Today · 4.125%
HK$21,293
baseline
▲ 0.50% · 4.625%
HK$22,589
+HK$1,296/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$263,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,291
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,889
−HK$606/mo
Today · 4.125%
HK$23,495
baseline
▲ 0.50% · 4.625%
HK$24,734
+HK$1,239/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$263,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,044
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,792
−HK$760/mo
Today · 4.125%
HK$25,552
baseline
▲ 0.50% · 4.625%
HK$27,107
+HK$1,555/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,104/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,749
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,466
−HK$728/mo
Today · 4.125%
HK$28,194
baseline
▲ 0.50% · 4.625%
HK$29,680
+HK$1,486/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,388/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,052
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,924
−HK$887/mo
Today · 4.125%
HK$29,811
baseline
▲ 0.50% · 4.625%
HK$31,625
+HK$1,814/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,622/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,207
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,044
−HK$849/mo
Today · 4.125%
HK$32,893
baseline
▲ 0.50% · 4.625%
HK$34,627
+HK$1,734/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,786/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,066
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,188
−HK$1,140/mo
Today · 4.125%
HK$38,328
baseline
▲ 0.50% · 4.625%
HK$40,660
+HK$2,332/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,656/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,124
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,200
−HK$1,091/mo
Today · 4.125%
HK$42,291
baseline
▲ 0.50% · 4.625%
HK$44,520
+HK$2,229/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,582/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,614 · 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).