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$20,025
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,648
−HK$632/mo
Today · 4.125%
HK$21,280
baseline
▲ 0.50% · 4.625%
HK$22,575
+HK$1,295/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,560/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,277
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,875
−HK$606/mo
Today · 4.125%
HK$23,481
baseline
▲ 0.50% · 4.625%
HK$24,718
+HK$1,237/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,962/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,030
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,777
−HK$759/mo
Today · 4.125%
HK$25,536
baseline
▲ 0.50% · 4.625%
HK$27,090
+HK$1,554/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,072/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,733
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,450
−HK$727/mo
Today · 4.125%
HK$28,177
baseline
▲ 0.50% · 4.625%
HK$29,662
+HK$1,485/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,354/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,034
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,907
−HK$885/mo
Today · 4.125%
HK$29,792
baseline
▲ 0.50% · 4.625%
HK$31,605
+HK$1,813/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$59,584/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,188
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,025
−HK$848/mo
Today · 4.125%
HK$32,873
baseline
▲ 0.50% · 4.625%
HK$34,606
+HK$1,733/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$65,746/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,044
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,166
−HK$1,139/mo
Today · 4.125%
HK$38,305
baseline
▲ 0.50% · 4.625%
HK$40,635
+HK$2,330/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$76,610/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,099
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,174
−HK$1,091/mo
Today · 4.125%
HK$42,265
baseline
▲ 0.50% · 4.625%
HK$44,493
+HK$2,228/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$84,530/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,453 · 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).