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$20,115
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,740
−HK$636/mo
Today · 4.125%
HK$21,376
baseline
▲ 0.50% · 4.625%
HK$22,677
+HK$1,301/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,752/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,377
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,977
−HK$609/mo
Today · 4.125%
HK$23,586
baseline
▲ 0.50% · 4.625%
HK$24,829
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,172/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,137
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,888
−HK$763/mo
Today · 4.125%
HK$25,651
baseline
▲ 0.50% · 4.625%
HK$27,212
+HK$1,561/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,302/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,853
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,573
−HK$730/mo
Today · 4.125%
HK$28,303
baseline
▲ 0.50% · 4.625%
HK$29,795
+HK$1,492/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,606/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,160
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,036
−HK$890/mo
Today · 4.125%
HK$29,926
baseline
▲ 0.50% · 4.625%
HK$31,747
+HK$1,821/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$59,852/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,328
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,168
−HK$853/mo
Today · 4.125%
HK$33,021
baseline
▲ 0.50% · 4.625%
HK$34,761
+HK$1,740/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$66,042/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,206
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,332
−HK$1,145/mo
Today · 4.125%
HK$38,477
baseline
▲ 0.50% · 4.625%
HK$40,818
+HK$2,341/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,954/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,279
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,359
−HK$1,096/mo
Today · 4.125%
HK$42,455
baseline
▲ 0.50% · 4.625%
HK$44,693
+HK$2,238/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,910/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,636 · 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).