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$20,130
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,756
−HK$637/mo
Today · 4.125%
HK$21,393
baseline
▲ 0.50% · 4.625%
HK$22,694
+HK$1,301/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,786/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,395
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,995
−HK$610/mo
Today · 4.125%
HK$23,605
baseline
▲ 0.50% · 4.625%
HK$24,849
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,210/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,156
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,908
−HK$763/mo
Today · 4.125%
HK$25,671
baseline
▲ 0.50% · 4.625%
HK$27,233
+HK$1,562/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,342/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,874
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,594
−HK$731/mo
Today · 4.125%
HK$28,325
baseline
▲ 0.50% · 4.625%
HK$29,819
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,650/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,182
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,059
−HK$891/mo
Today · 4.125%
HK$29,950
baseline
▲ 0.50% · 4.625%
HK$31,772
+HK$1,822/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,900/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,352
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,193
−HK$853/mo
Today · 4.125%
HK$33,046
baseline
▲ 0.50% · 4.625%
HK$34,788
+HK$1,742/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,092/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,234
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,361
−HK$1,146/mo
Today · 4.125%
HK$38,507
baseline
▲ 0.50% · 4.625%
HK$40,850
+HK$2,343/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,014/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,310
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,391
−HK$1,097/mo
Today · 4.125%
HK$42,488
baseline
▲ 0.50% · 4.625%
HK$44,728
+HK$2,240/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$84,976/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,842 · 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).