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$20,097
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,722
−HK$635/mo
Today · 4.125%
HK$21,357
baseline
▲ 0.50% · 4.625%
HK$22,656
+HK$1,299/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,714/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,357
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,957
−HK$608/mo
Today · 4.125%
HK$23,565
baseline
▲ 0.50% · 4.625%
HK$24,807
+HK$1,242/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,130/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,116
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,866
−HK$762/mo
Today · 4.125%
HK$25,628
baseline
▲ 0.50% · 4.625%
HK$27,188
+HK$1,560/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,256/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,829
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,548
−HK$730/mo
Today · 4.125%
HK$28,278
baseline
▲ 0.50% · 4.625%
HK$29,769
+HK$1,491/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,556/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,135
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,011
−HK$889/mo
Today · 4.125%
HK$29,900
baseline
▲ 0.50% · 4.625%
HK$31,719
+HK$1,819/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,800/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,300
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,140
−HK$851/mo
Today · 4.125%
HK$32,991
baseline
▲ 0.50% · 4.625%
HK$34,730
+HK$1,739/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,982/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,174
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,299
−HK$1,144/mo
Today · 4.125%
HK$38,443
baseline
▲ 0.50% · 4.625%
HK$40,782
+HK$2,339/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,886/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,243
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,323
−HK$1,095/mo
Today · 4.125%
HK$42,418
baseline
▲ 0.50% · 4.625%
HK$44,653
+HK$2,235/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,836/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,401 · 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).