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$20,127
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,753
−HK$636/mo
Today · 4.125%
HK$21,389
baseline
▲ 0.50% · 4.625%
HK$22,690
+HK$1,301/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,778/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,391
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,991
−HK$610/mo
Today · 4.125%
HK$23,601
baseline
▲ 0.50% · 4.625%
HK$24,845
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,202/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,152
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,903
−HK$764/mo
Today · 4.125%
HK$25,667
baseline
▲ 0.50% · 4.625%
HK$27,228
+HK$1,561/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,334/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,869
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,590
−HK$731/mo
Today · 4.125%
HK$28,321
baseline
▲ 0.50% · 4.625%
HK$29,814
+HK$1,493/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,642/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,178
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,054
−HK$891/mo
Today · 4.125%
HK$29,945
baseline
▲ 0.50% · 4.625%
HK$31,767
+HK$1,822/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,890/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,347
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,188
−HK$853/mo
Today · 4.125%
HK$33,041
baseline
▲ 0.50% · 4.625%
HK$34,782
+HK$1,741/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,082/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,228
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,355
−HK$1,145/mo
Today · 4.125%
HK$38,500
baseline
▲ 0.50% · 4.625%
HK$40,843
+HK$2,343/mo
Deposit HK$883K · loan HK$7.94M · min. income ≈ HK$77,000/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,304
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,384
−HK$1,097/mo
Today · 4.125%
HK$42,481
baseline
▲ 0.50% · 4.625%
HK$44,720
+HK$2,239/mo
Deposit HK$883K · loan HK$7.94M · min. income ≈ HK$84,962/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,797 · 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).