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$20,030
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,653
−HK$633/mo
Today · 4.125%
HK$21,286
baseline
▲ 0.50% · 4.625%
HK$22,581
+HK$1,295/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,572/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,283
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,880
−HK$606/mo
Today · 4.125%
HK$23,486
baseline
▲ 0.50% · 4.625%
HK$24,724
+HK$1,238/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,972/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,035
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,783
−HK$760/mo
Today · 4.125%
HK$25,543
baseline
▲ 0.50% · 4.625%
HK$27,097
+HK$1,554/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,086/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,739
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,456
−HK$728/mo
Today · 4.125%
HK$28,184
baseline
▲ 0.50% · 4.625%
HK$29,669
+HK$1,485/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,368/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,041
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,914
−HK$886/mo
Today · 4.125%
HK$29,800
baseline
▲ 0.50% · 4.625%
HK$31,613
+HK$1,813/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,600/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,196
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,032
−HK$849/mo
Today · 4.125%
HK$32,881
baseline
▲ 0.50% · 4.625%
HK$34,614
+HK$1,733/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,762/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,053
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,175
−HK$1,139/mo
Today · 4.125%
HK$38,314
baseline
▲ 0.50% · 4.625%
HK$40,645
+HK$2,331/mo
Deposit HK$878K · loan HK$7.91M · min. income ≈ HK$76,628/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,109
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,184
−HK$1,092/mo
Today · 4.125%
HK$42,276
baseline
▲ 0.50% · 4.625%
HK$44,504
+HK$2,228/mo
Deposit HK$878K · loan HK$7.91M · min. income ≈ HK$84,552/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,517 · 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).