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$20,128
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,754
−HK$636/mo
Today · 4.125%
HK$21,390
baseline
▲ 0.50% · 4.625%
HK$22,692
+HK$1,302/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,780/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,392
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,993
−HK$609/mo
Today · 4.125%
HK$23,602
baseline
▲ 0.50% · 4.625%
HK$24,846
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,204/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,154
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,905
−HK$763/mo
Today · 4.125%
HK$25,668
baseline
▲ 0.50% · 4.625%
HK$27,230
+HK$1,562/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,336/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,871
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,591
−HK$732/mo
Today · 4.125%
HK$28,323
baseline
▲ 0.50% · 4.625%
HK$29,815
+HK$1,492/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,646/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,179
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,056
−HK$890/mo
Today · 4.125%
HK$29,946
baseline
▲ 0.50% · 4.625%
HK$31,769
+HK$1,823/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,892/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,349
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,190
−HK$853/mo
Today · 4.125%
HK$33,043
baseline
▲ 0.50% · 4.625%
HK$34,785
+HK$1,742/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,086/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,231
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,358
−HK$1,145/mo
Today · 4.125%
HK$38,503
baseline
▲ 0.50% · 4.625%
HK$40,845
+HK$2,342/mo
Deposit HK$883K · loan HK$7.94M · min. income ≈ HK$77,006/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,306
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,387
−HK$1,097/mo
Today · 4.125%
HK$42,484
baseline
▲ 0.50% · 4.625%
HK$44,723
+HK$2,239/mo
Deposit HK$883K · loan HK$7.94M · min. income ≈ HK$84,968/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,814 · 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).