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$20,116
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,742
−HK$636/mo
Today · 4.125%
HK$21,378
baseline
▲ 0.50% · 4.625%
HK$22,678
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,756/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,379
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,979
−HK$609/mo
Today · 4.125%
HK$23,588
baseline
▲ 0.50% · 4.625%
HK$24,832
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,176/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,139
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,890
−HK$763/mo
Today · 4.125%
HK$25,653
baseline
▲ 0.50% · 4.625%
HK$27,214
+HK$1,561/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,306/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,855
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,575
−HK$731/mo
Today · 4.125%
HK$28,306
baseline
▲ 0.50% · 4.625%
HK$29,798
+HK$1,492/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,612/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,163
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,039
−HK$890/mo
Today · 4.125%
HK$29,929
baseline
▲ 0.50% · 4.625%
HK$31,750
+HK$1,821/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,858/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,331
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,171
−HK$852/mo
Today · 4.125%
HK$33,023
baseline
▲ 0.50% · 4.625%
HK$34,764
+HK$1,741/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,046/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,209
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,336
−HK$1,144/mo
Today · 4.125%
HK$38,480
baseline
▲ 0.50% · 4.625%
HK$40,821
+HK$2,341/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,960/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,282
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,363
−HK$1,096/mo
Today · 4.125%
HK$42,459
baseline
▲ 0.50% · 4.625%
HK$44,697
+HK$2,238/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,918/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,658 · 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).