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$19,996
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,618
−HK$632/mo
Today · 4.125%
HK$21,250
baseline
▲ 0.50% · 4.625%
HK$22,543
+HK$1,293/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,500/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,245
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,842
−HK$605/mo
Today · 4.125%
HK$23,447
baseline
▲ 0.50% · 4.625%
HK$24,683
+HK$1,236/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,894/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,995
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,741
−HK$758/mo
Today · 4.125%
HK$25,499
baseline
▲ 0.50% · 4.625%
HK$27,051
+HK$1,552/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$50,998/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,694
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,410
−HK$726/mo
Today · 4.125%
HK$28,136
baseline
▲ 0.50% · 4.625%
HK$29,619
+HK$1,483/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,272/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,994
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,865
−HK$884/mo
Today · 4.125%
HK$29,749
baseline
▲ 0.50% · 4.625%
HK$31,560
+HK$1,811/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,498/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,143
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,978
−HK$848/mo
Today · 4.125%
HK$32,826
baseline
▲ 0.50% · 4.625%
HK$34,556
+HK$1,730/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,652/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,992
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,112
−HK$1,137/mo
Today · 4.125%
HK$38,249
baseline
▲ 0.50% · 4.625%
HK$40,577
+HK$2,328/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$76,498/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,041
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,115
−HK$1,089/mo
Today · 4.125%
HK$42,204
baseline
▲ 0.50% · 4.625%
HK$44,429
+HK$2,225/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$84,408/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,072 · 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).