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$20,111
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,736
−HK$636/mo
Today · 4.125%
HK$21,372
baseline
▲ 0.50% · 4.625%
HK$22,672
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,744/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,373
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,973
−HK$609/mo
Today · 4.125%
HK$23,582
baseline
▲ 0.50% · 4.625%
HK$24,825
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,164/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,133
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,884
−HK$762/mo
Today · 4.125%
HK$25,646
baseline
▲ 0.50% · 4.625%
HK$27,207
+HK$1,561/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,292/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,848
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,568
−HK$730/mo
Today · 4.125%
HK$28,298
baseline
▲ 0.50% · 4.625%
HK$29,790
+HK$1,492/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,596/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,155
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,031
−HK$890/mo
Today · 4.125%
HK$29,921
baseline
▲ 0.50% · 4.625%
HK$31,741
+HK$1,820/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$59,842/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,322
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,162
−HK$853/mo
Today · 4.125%
HK$33,015
baseline
▲ 0.50% · 4.625%
HK$34,755
+HK$1,740/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$66,030/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,200
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,326
−HK$1,144/mo
Today · 4.125%
HK$38,470
baseline
▲ 0.50% · 4.625%
HK$40,810
+HK$2,340/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,940/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,272
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,352
−HK$1,095/mo
Today · 4.125%
HK$42,447
baseline
▲ 0.50% · 4.625%
HK$44,685
+HK$2,238/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,894/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,587 · 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).