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$20,033
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,656
−HK$634/mo
Today · 4.125%
HK$21,290
baseline
▲ 0.50% · 4.625%
HK$22,585
+HK$1,295/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,580/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,287
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,885
−HK$606/mo
Today · 4.125%
HK$23,491
baseline
▲ 0.50% · 4.625%
HK$24,729
+HK$1,238/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,982/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,040
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,788
−HK$760/mo
Today · 4.125%
HK$25,548
baseline
▲ 0.50% · 4.625%
HK$27,102
+HK$1,554/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,096/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,744
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,462
−HK$727/mo
Today · 4.125%
HK$28,189
baseline
▲ 0.50% · 4.625%
HK$29,675
+HK$1,486/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,378/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,047
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,919
−HK$886/mo
Today · 4.125%
HK$29,805
baseline
▲ 0.50% · 4.625%
HK$31,619
+HK$1,814/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,610/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,202
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,038
−HK$849/mo
Today · 4.125%
HK$32,887
baseline
▲ 0.50% · 4.625%
HK$34,621
+HK$1,734/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,774/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,060
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,182
−HK$1,139/mo
Today · 4.125%
HK$38,321
baseline
▲ 0.50% · 4.625%
HK$40,653
+HK$2,332/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,642/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,116
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,192
−HK$1,092/mo
Today · 4.125%
HK$42,284
baseline
▲ 0.50% · 4.625%
HK$44,513
+HK$2,229/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,568/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,568 · 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).