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$20,126
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,753
−HK$636/mo
Today · 4.125%
HK$21,389
baseline
▲ 0.50% · 4.625%
HK$22,690
+HK$1,301/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,778/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,390
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,991
−HK$609/mo
Today · 4.125%
HK$23,600
baseline
▲ 0.50% · 4.625%
HK$24,844
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,200/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,152
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,903
−HK$763/mo
Today · 4.125%
HK$25,666
baseline
▲ 0.50% · 4.625%
HK$27,228
+HK$1,562/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,332/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,869
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,589
−HK$731/mo
Today · 4.125%
HK$28,320
baseline
▲ 0.50% · 4.625%
HK$29,813
+HK$1,493/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,640/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,177
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,054
−HK$890/mo
Today · 4.125%
HK$29,944
baseline
▲ 0.50% · 4.625%
HK$31,766
+HK$1,822/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,888/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,347
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,187
−HK$853/mo
Today · 4.125%
HK$33,040
baseline
▲ 0.50% · 4.625%
HK$34,782
+HK$1,742/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,080/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,228
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,355
−HK$1,144/mo
Today · 4.125%
HK$38,499
baseline
▲ 0.50% · 4.625%
HK$40,842
+HK$2,343/mo
Deposit HK$883K · loan HK$7.94M · min. income ≈ HK$76,998/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,303
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,384
−HK$1,096/mo
Today · 4.125%
HK$42,480
baseline
▲ 0.50% · 4.625%
HK$44,720
+HK$2,240/mo
Deposit HK$883K · loan HK$7.94M · min. income ≈ HK$84,960/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,793 · 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).