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$20,013
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,636
−HK$632/mo
Today · 4.125%
HK$21,268
baseline
▲ 0.50% · 4.625%
HK$22,562
+HK$1,294/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,536/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,265
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,862
−HK$605/mo
Today · 4.125%
HK$23,467
baseline
▲ 0.50% · 4.625%
HK$24,704
+HK$1,237/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,934/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,016
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,763
−HK$759/mo
Today · 4.125%
HK$25,522
baseline
▲ 0.50% · 4.625%
HK$27,075
+HK$1,553/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,044/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,717
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,434
−HK$727/mo
Today · 4.125%
HK$28,161
baseline
▲ 0.50% · 4.625%
HK$29,645
+HK$1,484/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,322/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,019
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,890
−HK$886/mo
Today · 4.125%
HK$29,776
baseline
▲ 0.50% · 4.625%
HK$31,587
+HK$1,811/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,552/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,170
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,006
−HK$848/mo
Today · 4.125%
HK$32,854
baseline
▲ 0.50% · 4.625%
HK$34,586
+HK$1,732/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,708/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,024
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,144
−HK$1,139/mo
Today · 4.125%
HK$38,283
baseline
▲ 0.50% · 4.625%
HK$40,612
+HK$2,329/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$76,566/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,076
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,151
−HK$1,090/mo
Today · 4.125%
HK$42,241
baseline
▲ 0.50% · 4.625%
HK$44,468
+HK$2,227/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$84,482/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,303 · 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).