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$20,011
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,634
−HK$632/mo
Today · 4.125%
HK$21,266
baseline
▲ 0.50% · 4.625%
HK$22,560
+HK$1,294/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,532/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,262
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,859
−HK$606/mo
Today · 4.125%
HK$23,465
baseline
▲ 0.50% · 4.625%
HK$24,702
+HK$1,237/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,930/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,013
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,760
−HK$759/mo
Today · 4.125%
HK$25,519
baseline
▲ 0.50% · 4.625%
HK$27,072
+HK$1,553/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,038/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,715
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,431
−HK$727/mo
Today · 4.125%
HK$28,158
baseline
▲ 0.50% · 4.625%
HK$29,642
+HK$1,484/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,316/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,016
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,887
−HK$886/mo
Today · 4.125%
HK$29,773
baseline
▲ 0.50% · 4.625%
HK$31,584
+HK$1,811/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,546/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,167
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,003
−HK$848/mo
Today · 4.125%
HK$32,851
baseline
▲ 0.50% · 4.625%
HK$34,583
+HK$1,732/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,702/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,020
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,141
−HK$1,138/mo
Today · 4.125%
HK$38,279
baseline
▲ 0.50% · 4.625%
HK$40,608
+HK$2,329/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$76,558/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,072
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,147
−HK$1,090/mo
Today · 4.125%
HK$42,237
baseline
▲ 0.50% · 4.625%
HK$44,463
+HK$2,226/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$84,474/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,276 · 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).