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$20,124
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,750
−HK$636/mo
Today · 4.125%
HK$21,386
baseline
▲ 0.50% · 4.625%
HK$22,687
+HK$1,301/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,772/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,388
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,988
−HK$609/mo
Today · 4.125%
HK$23,597
baseline
▲ 0.50% · 4.625%
HK$24,841
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,194/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,149
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,900
−HK$763/mo
Today · 4.125%
HK$25,663
baseline
▲ 0.50% · 4.625%
HK$27,225
+HK$1,562/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,326/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,865
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,586
−HK$731/mo
Today · 4.125%
HK$28,317
baseline
▲ 0.50% · 4.625%
HK$29,810
+HK$1,493/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,634/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,174
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,050
−HK$890/mo
Today · 4.125%
HK$29,940
baseline
▲ 0.50% · 4.625%
HK$31,762
+HK$1,822/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,880/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,343
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,184
−HK$852/mo
Today · 4.125%
HK$33,036
baseline
▲ 0.50% · 4.625%
HK$34,778
+HK$1,742/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,072/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,223
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,350
−HK$1,145/mo
Today · 4.125%
HK$38,495
baseline
▲ 0.50% · 4.625%
HK$40,837
+HK$2,342/mo
Deposit HK$883K · loan HK$7.94M · min. income ≈ HK$76,990/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,298
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,379
−HK$1,096/mo
Today · 4.125%
HK$42,475
baseline
▲ 0.50% · 4.625%
HK$44,714
+HK$2,239/mo
Deposit HK$883K · loan HK$7.94M · min. income ≈ HK$84,950/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,762 · 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).