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$1,254/mo
▼ 0.25% · 3.875%
HK$20,612
−HK$632/mo
Today · 4.125%
HK$21,244
baseline
▲ 0.50% · 4.625%
HK$22,536
+HK$1,292/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,488/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,239
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,835
−HK$605/mo
Today · 4.125%
HK$23,440
baseline
▲ 0.50% · 4.625%
HK$24,676
+HK$1,236/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$263,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,988
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,734
−HK$759/mo
Today · 4.125%
HK$25,493
baseline
▲ 0.50% · 4.625%
HK$27,044
+HK$1,551/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$50,986/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,687
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,402
−HK$727/mo
Today · 4.125%
HK$28,129
baseline
▲ 0.50% · 4.625%
HK$29,611
+HK$1,482/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,258/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,986
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,857
−HK$884/mo
Today · 4.125%
HK$29,741
baseline
▲ 0.50% · 4.625%
HK$31,551
+HK$1,810/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$263,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,135
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,970
−HK$847/mo
Today · 4.125%
HK$32,817
baseline
▲ 0.50% · 4.625%
HK$34,546
+HK$1,729/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,634/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,982
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,102
−HK$1,137/mo
Today · 4.125%
HK$38,239
baseline
▲ 0.50% · 4.625%
HK$40,566
+HK$2,327/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$76,478/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,030
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,104
−HK$1,089/mo
Today · 4.125%
HK$42,193
baseline
▲ 0.50% · 4.625%
HK$44,417
+HK$2,224/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$84,386/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,001 · 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).