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$20,093
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,718
−HK$635/mo
Today · 4.125%
HK$21,353
baseline
▲ 0.50% · 4.625%
HK$22,652
+HK$1,299/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,706/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,353
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,952
−HK$609/mo
Today · 4.125%
HK$23,561
baseline
▲ 0.50% · 4.625%
HK$24,802
+HK$1,241/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,122/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,111
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,861
−HK$762/mo
Today · 4.125%
HK$25,623
baseline
▲ 0.50% · 4.625%
HK$27,182
+HK$1,559/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$51,246/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,823
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,543
−HK$730/mo
Today · 4.125%
HK$28,273
baseline
▲ 0.50% · 4.625%
HK$29,763
+HK$1,490/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$56,546/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,130
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,005
−HK$889/mo
Today · 4.125%
HK$29,894
baseline
▲ 0.50% · 4.625%
HK$31,713
+HK$1,819/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,788/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,294
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,133
−HK$852/mo
Today · 4.125%
HK$32,985
baseline
▲ 0.50% · 4.625%
HK$34,723
+HK$1,738/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,970/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,167
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,292
−HK$1,143/mo
Today · 4.125%
HK$38,435
baseline
▲ 0.50% · 4.625%
HK$40,773
+HK$2,338/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,870/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,235
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,314
−HK$1,095/mo
Today · 4.125%
HK$42,409
baseline
▲ 0.50% · 4.625%
HK$44,644
+HK$2,235/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,818/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,348 · 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).