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$20,125
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,751
−HK$636/mo
Today · 4.125%
HK$21,387
baseline
▲ 0.50% · 4.625%
HK$22,688
+HK$1,301/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,774/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,389
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,989
−HK$609/mo
Today · 4.125%
HK$23,598
baseline
▲ 0.50% · 4.625%
HK$24,842
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,196/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,150
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,901
−HK$763/mo
Today · 4.125%
HK$25,664
baseline
▲ 0.50% · 4.625%
HK$27,226
+HK$1,562/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,328/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,867
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,587
−HK$731/mo
Today · 4.125%
HK$28,318
baseline
▲ 0.50% · 4.625%
HK$29,811
+HK$1,493/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,636/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,175
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,051
−HK$891/mo
Today · 4.125%
HK$29,942
baseline
▲ 0.50% · 4.625%
HK$31,764
+HK$1,822/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,884/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,344
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,185
−HK$853/mo
Today · 4.125%
HK$33,038
baseline
▲ 0.50% · 4.625%
HK$34,779
+HK$1,741/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,076/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,225
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,352
−HK$1,145/mo
Today · 4.125%
HK$38,497
baseline
▲ 0.50% · 4.625%
HK$40,839
+HK$2,342/mo
Deposit HK$883K · loan HK$7.94M · min. income ≈ HK$76,994/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,300
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,381
−HK$1,096/mo
Today · 4.125%
HK$42,477
baseline
▲ 0.50% · 4.625%
HK$44,716
+HK$2,239/mo
Deposit HK$883K · loan HK$7.94M · min. income ≈ HK$84,954/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,773 · 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).