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$20,132
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,758
−HK$637/mo
Today · 4.125%
HK$21,395
baseline
▲ 0.50% · 4.625%
HK$22,696
+HK$1,301/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,790/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,397
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,998
−HK$609/mo
Today · 4.125%
HK$23,607
baseline
▲ 0.50% · 4.625%
HK$24,851
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,214/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,159
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,910
−HK$764/mo
Today · 4.125%
HK$25,674
baseline
▲ 0.50% · 4.625%
HK$27,236
+HK$1,562/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,348/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,876
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,597
−HK$731/mo
Today · 4.125%
HK$28,328
baseline
▲ 0.50% · 4.625%
HK$29,821
+HK$1,493/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,656/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,185
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,062
−HK$890/mo
Today · 4.125%
HK$29,952
baseline
▲ 0.50% · 4.625%
HK$31,775
+HK$1,823/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,904/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,356
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,197
−HK$853/mo
Today · 4.125%
HK$33,050
baseline
▲ 0.50% · 4.625%
HK$34,792
+HK$1,742/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,100/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,238
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,365
−HK$1,145/mo
Today · 4.125%
HK$38,510
baseline
▲ 0.50% · 4.625%
HK$40,854
+HK$2,344/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,020/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,314
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,396
−HK$1,096/mo
Today · 4.125%
HK$42,492
baseline
▲ 0.50% · 4.625%
HK$44,732
+HK$2,240/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$84,984/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,868 · 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).