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$20,012
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,634
−HK$633/mo
Today · 4.125%
HK$21,267
baseline
▲ 0.50% · 4.625%
HK$22,561
+HK$1,294/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,534/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,263
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,860
−HK$606/mo
Today · 4.125%
HK$23,466
baseline
▲ 0.50% · 4.625%
HK$24,703
+HK$1,237/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,932/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,014
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,761
−HK$759/mo
Today · 4.125%
HK$25,520
baseline
▲ 0.50% · 4.625%
HK$27,073
+HK$1,553/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,040/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,715
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,432
−HK$727/mo
Today · 4.125%
HK$28,159
baseline
▲ 0.50% · 4.625%
HK$29,643
+HK$1,484/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,318/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,016
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,888
−HK$885/mo
Today · 4.125%
HK$29,773
baseline
▲ 0.50% · 4.625%
HK$31,585
+HK$1,812/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$263,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,168
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,004
−HK$848/mo
Today · 4.125%
HK$32,852
baseline
▲ 0.50% · 4.625%
HK$34,584
+HK$1,732/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,704/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,021
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,142
−HK$1,138/mo
Today · 4.125%
HK$38,280
baseline
▲ 0.50% · 4.625%
HK$40,609
+HK$2,329/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$76,560/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,073
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,148
−HK$1,090/mo
Today · 4.125%
HK$42,238
baseline
▲ 0.50% · 4.625%
HK$44,465
+HK$2,227/mo
Deposit HK$878K · loan HK$7.90M · min. income ≈ HK$84,476/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,283 · 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).