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$20,131
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,757
−HK$636/mo
Today · 4.125%
HK$21,393
baseline
▲ 0.50% · 4.625%
HK$22,695
+HK$1,302/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,786/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,395
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,996
−HK$609/mo
Today · 4.125%
HK$23,605
baseline
▲ 0.50% · 4.625%
HK$24,849
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,210/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,157
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,908
−HK$764/mo
Today · 4.125%
HK$25,672
baseline
▲ 0.50% · 4.625%
HK$27,234
+HK$1,562/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,344/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,874
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,595
−HK$731/mo
Today · 4.125%
HK$28,326
baseline
▲ 0.50% · 4.625%
HK$29,819
+HK$1,493/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,652/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,183
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,060
−HK$890/mo
Today · 4.125%
HK$29,950
baseline
▲ 0.50% · 4.625%
HK$31,773
+HK$1,823/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,900/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,353
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,194
−HK$853/mo
Today · 4.125%
HK$33,047
baseline
▲ 0.50% · 4.625%
HK$34,789
+HK$1,742/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,094/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,235
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,363
−HK$1,145/mo
Today · 4.125%
HK$38,508
baseline
▲ 0.50% · 4.625%
HK$40,851
+HK$2,343/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,016/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,312
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,393
−HK$1,096/mo
Today · 4.125%
HK$42,489
baseline
▲ 0.50% · 4.625%
HK$44,729
+HK$2,240/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$84,978/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,849 · 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).