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$20,130
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,756
−HK$636/mo
Today · 4.125%
HK$21,392
baseline
▲ 0.50% · 4.625%
HK$22,694
+HK$1,302/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,784/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,394
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,995
−HK$609/mo
Today · 4.125%
HK$23,604
baseline
▲ 0.50% · 4.625%
HK$24,848
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,208/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,156
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,907
−HK$763/mo
Today · 4.125%
HK$25,670
baseline
▲ 0.50% · 4.625%
HK$27,232
+HK$1,562/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,340/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,873
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,594
−HK$731/mo
Today · 4.125%
HK$28,325
baseline
▲ 0.50% · 4.625%
HK$29,818
+HK$1,493/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,650/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,182
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,058
−HK$891/mo
Today · 4.125%
HK$29,949
baseline
▲ 0.50% · 4.625%
HK$31,771
+HK$1,822/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,898/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,352
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,193
−HK$853/mo
Today · 4.125%
HK$33,046
baseline
▲ 0.50% · 4.625%
HK$34,788
+HK$1,742/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,092/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,234
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,361
−HK$1,145/mo
Today · 4.125%
HK$38,506
baseline
▲ 0.50% · 4.625%
HK$40,849
+HK$2,343/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,012/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,309
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,391
−HK$1,096/mo
Today · 4.125%
HK$42,487
baseline
▲ 0.50% · 4.625%
HK$44,727
+HK$2,240/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$84,974/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,836 · 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).