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$19,994
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,616
−HK$632/mo
Today · 4.125%
HK$21,248
baseline
▲ 0.50% · 4.625%
HK$22,541
+HK$1,293/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,496/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,244
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,840
−HK$605/mo
Today · 4.125%
HK$23,445
baseline
▲ 0.50% · 4.625%
HK$24,681
+HK$1,236/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,890/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,993
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,740
−HK$758/mo
Today · 4.125%
HK$25,498
baseline
▲ 0.50% · 4.625%
HK$27,049
+HK$1,551/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$50,996/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,692
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,408
−HK$727/mo
Today · 4.125%
HK$28,135
baseline
▲ 0.50% · 4.625%
HK$29,618
+HK$1,483/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,270/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,992
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,863
−HK$885/mo
Today · 4.125%
HK$29,748
baseline
▲ 0.50% · 4.625%
HK$31,558
+HK$1,810/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,496/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,141
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,976
−HK$848/mo
Today · 4.125%
HK$32,824
baseline
▲ 0.50% · 4.625%
HK$34,554
+HK$1,730/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,648/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,990
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,110
−HK$1,137/mo
Today · 4.125%
HK$38,247
baseline
▲ 0.50% · 4.625%
HK$40,574
+HK$2,327/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$76,494/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,039
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,112
−HK$1,090/mo
Today · 4.125%
HK$42,202
baseline
▲ 0.50% · 4.625%
HK$44,426
+HK$2,224/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$84,404/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,056 · 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).