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$20,110
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,735
−HK$636/mo
Today · 4.125%
HK$21,371
baseline
▲ 0.50% · 4.625%
HK$22,671
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,742/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,372
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,972
−HK$608/mo
Today · 4.125%
HK$23,580
baseline
▲ 0.50% · 4.625%
HK$24,823
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,160/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,131
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,882
−HK$763/mo
Today · 4.125%
HK$25,645
baseline
▲ 0.50% · 4.625%
HK$27,205
+HK$1,560/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,290/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,846
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,566
−HK$730/mo
Today · 4.125%
HK$28,296
baseline
▲ 0.50% · 4.625%
HK$29,788
+HK$1,492/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,592/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,153
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,029
−HK$890/mo
Today · 4.125%
HK$29,919
baseline
▲ 0.50% · 4.625%
HK$31,739
+HK$1,820/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$59,838/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,320
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,160
−HK$852/mo
Today · 4.125%
HK$33,012
baseline
▲ 0.50% · 4.625%
HK$34,753
+HK$1,741/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$66,024/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,197
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,323
−HK$1,144/mo
Today · 4.125%
HK$38,467
baseline
▲ 0.50% · 4.625%
HK$40,808
+HK$2,341/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,934/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,269
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,349
−HK$1,096/mo
Today · 4.125%
HK$42,445
baseline
▲ 0.50% · 4.625%
HK$44,682
+HK$2,237/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,890/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,570 · 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).