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$20,038
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,662
−HK$633/mo
Today · 4.125%
HK$21,295
baseline
▲ 0.50% · 4.625%
HK$22,591
+HK$1,296/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,590/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,292
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,890
−HK$607/mo
Today · 4.125%
HK$23,497
baseline
▲ 0.50% · 4.625%
HK$24,735
+HK$1,238/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,994/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,046
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,794
−HK$760/mo
Today · 4.125%
HK$25,554
baseline
▲ 0.50% · 4.625%
HK$27,109
+HK$1,555/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$51,108/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,751
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,468
−HK$728/mo
Today · 4.125%
HK$28,196
baseline
▲ 0.50% · 4.625%
HK$29,682
+HK$1,486/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$56,392/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,054
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,926
−HK$887/mo
Today · 4.125%
HK$29,813
baseline
▲ 0.50% · 4.625%
HK$31,627
+HK$1,814/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,626/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,209
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,046
−HK$849/mo
Today · 4.125%
HK$32,895
baseline
▲ 0.50% · 4.625%
HK$34,629
+HK$1,734/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,790/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,069
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,191
−HK$1,140/mo
Today · 4.125%
HK$38,331
baseline
▲ 0.50% · 4.625%
HK$40,663
+HK$2,332/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,662/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,126
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,202
−HK$1,092/mo
Today · 4.125%
HK$42,294
baseline
▲ 0.50% · 4.625%
HK$44,524
+HK$2,230/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,588/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,632 · 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).