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$20,134
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,761
−HK$636/mo
Today · 4.125%
HK$21,397
baseline
▲ 0.50% · 4.625%
HK$22,699
+HK$1,302/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,794/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,399
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,000
−HK$609/mo
Today · 4.125%
HK$23,609
baseline
▲ 0.50% · 4.625%
HK$24,854
+HK$1,245/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,218/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,161
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,913
−HK$763/mo
Today · 4.125%
HK$25,676
baseline
▲ 0.50% · 4.625%
HK$27,239
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,352/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,879
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,600
−HK$731/mo
Today · 4.125%
HK$28,331
baseline
▲ 0.50% · 4.625%
HK$29,825
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,662/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,188
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,065
−HK$891/mo
Today · 4.125%
HK$29,956
baseline
▲ 0.50% · 4.625%
HK$31,779
+HK$1,823/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,912/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,359
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,200
−HK$853/mo
Today · 4.125%
HK$33,053
baseline
▲ 0.50% · 4.625%
HK$34,796
+HK$1,743/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,106/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,242
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,369
−HK$1,146/mo
Today · 4.125%
HK$38,515
baseline
▲ 0.50% · 4.625%
HK$40,858
+HK$2,343/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,030/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,319
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,400
−HK$1,097/mo
Today · 4.125%
HK$42,497
baseline
▲ 0.50% · 4.625%
HK$44,737
+HK$2,240/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$84,994/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,897 · 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).