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$20,017
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,640
−HK$633/mo
Today · 4.125%
HK$21,273
baseline
▲ 0.50% · 4.625%
HK$22,567
+HK$1,294/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,546/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,269
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,866
−HK$606/mo
Today · 4.125%
HK$23,472
baseline
▲ 0.50% · 4.625%
HK$24,710
+HK$1,238/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,944/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,021
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,768
−HK$759/mo
Today · 4.125%
HK$25,527
baseline
▲ 0.50% · 4.625%
HK$27,081
+HK$1,554/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,054/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,723
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,440
−HK$727/mo
Today · 4.125%
HK$28,167
baseline
▲ 0.50% · 4.625%
HK$29,652
+HK$1,485/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,334/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,024
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,896
−HK$886/mo
Today · 4.125%
HK$29,782
baseline
▲ 0.50% · 4.625%
HK$31,594
+HK$1,812/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$59,564/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,177
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,013
−HK$848/mo
Today · 4.125%
HK$32,861
baseline
▲ 0.50% · 4.625%
HK$34,593
+HK$1,732/mo
Deposit HK$2.63M · loan HK$6.15M · min. income ≈ HK$65,722/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,031
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,152
−HK$1,139/mo
Today · 4.125%
HK$38,291
baseline
▲ 0.50% · 4.625%
HK$40,621
+HK$2,330/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$76,582/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,085
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,160
−HK$1,090/mo
Today · 4.125%
HK$42,250
baseline
▲ 0.50% · 4.625%
HK$44,477
+HK$2,227/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$84,500/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,358 · 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).