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$20,019
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,641
−HK$633/mo
Today · 4.125%
HK$21,274
baseline
▲ 0.50% · 4.625%
HK$22,569
+HK$1,295/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,548/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,271
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,868
−HK$606/mo
Today · 4.125%
HK$23,474
baseline
▲ 0.50% · 4.625%
HK$24,711
+HK$1,237/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,948/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,023
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,770
−HK$759/mo
Today · 4.125%
HK$25,529
baseline
▲ 0.50% · 4.625%
HK$27,082
+HK$1,553/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,058/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,725
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,442
−HK$727/mo
Today · 4.125%
HK$28,169
baseline
▲ 0.50% · 4.625%
HK$29,653
+HK$1,484/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,338/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,026
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,898
−HK$886/mo
Today · 4.125%
HK$29,784
baseline
▲ 0.50% · 4.625%
HK$31,596
+HK$1,812/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$59,568/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,179
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,015
−HK$848/mo
Today · 4.125%
HK$32,863
baseline
▲ 0.50% · 4.625%
HK$34,596
+HK$1,733/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$65,726/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,034
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,155
−HK$1,138/mo
Today · 4.125%
HK$38,293
baseline
▲ 0.50% · 4.625%
HK$40,623
+HK$2,330/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$76,586/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,087
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,162
−HK$1,091/mo
Today · 4.125%
HK$42,253
baseline
▲ 0.50% · 4.625%
HK$44,480
+HK$2,227/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$84,506/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,376 · 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).