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$20,039
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,663
−HK$633/mo
Today · 4.125%
HK$21,296
baseline
▲ 0.50% · 4.625%
HK$22,592
+HK$1,296/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,592/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,294
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,892
−HK$606/mo
Today · 4.125%
HK$23,498
baseline
▲ 0.50% · 4.625%
HK$24,737
+HK$1,239/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,996/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,047
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,795
−HK$760/mo
Today · 4.125%
HK$25,555
baseline
▲ 0.50% · 4.625%
HK$27,110
+HK$1,555/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$51,110/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,752
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,470
−HK$728/mo
Today · 4.125%
HK$28,198
baseline
▲ 0.50% · 4.625%
HK$29,684
+HK$1,486/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$56,396/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,055
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,928
−HK$886/mo
Today · 4.125%
HK$29,814
baseline
▲ 0.50% · 4.625%
HK$31,629
+HK$1,815/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,628/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,211
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,048
−HK$849/mo
Today · 4.125%
HK$32,897
baseline
▲ 0.50% · 4.625%
HK$34,631
+HK$1,734/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,794/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,071
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,193
−HK$1,140/mo
Today · 4.125%
HK$38,333
baseline
▲ 0.50% · 4.625%
HK$40,665
+HK$2,332/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,666/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,129
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,205
−HK$1,092/mo
Today · 4.125%
HK$42,297
baseline
▲ 0.50% · 4.625%
HK$44,526
+HK$2,229/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,594/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,647 · 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).