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$20,133
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,759
−HK$636/mo
Today · 4.125%
HK$21,395
baseline
▲ 0.50% · 4.625%
HK$22,697
+HK$1,302/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,790/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,398
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,998
−HK$610/mo
Today · 4.125%
HK$23,608
baseline
▲ 0.50% · 4.625%
HK$24,852
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,216/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,160
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,911
−HK$764/mo
Today · 4.125%
HK$25,675
baseline
▲ 0.50% · 4.625%
HK$27,237
+HK$1,562/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,350/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,877
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,598
−HK$731/mo
Today · 4.125%
HK$28,329
baseline
▲ 0.50% · 4.625%
HK$29,823
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,658/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,186
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,063
−HK$891/mo
Today · 4.125%
HK$29,954
baseline
▲ 0.50% · 4.625%
HK$31,776
+HK$1,822/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,908/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,357
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,198
−HK$853/mo
Today · 4.125%
HK$33,051
baseline
▲ 0.50% · 4.625%
HK$34,793
+HK$1,742/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,102/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,239
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,367
−HK$1,145/mo
Today · 4.125%
HK$38,512
baseline
▲ 0.50% · 4.625%
HK$40,855
+HK$2,343/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,024/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,316
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,397
−HK$1,097/mo
Today · 4.125%
HK$42,494
baseline
▲ 0.50% · 4.625%
HK$44,734
+HK$2,240/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$84,988/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,878 · 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).