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$20,103
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,728
−HK$635/mo
Today · 4.125%
HK$21,363
baseline
▲ 0.50% · 4.625%
HK$22,663
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,726/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,364
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,964
−HK$608/mo
Today · 4.125%
HK$23,572
baseline
▲ 0.50% · 4.625%
HK$24,815
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,144/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,123
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,873
−HK$763/mo
Today · 4.125%
HK$25,636
baseline
▲ 0.50% · 4.625%
HK$27,196
+HK$1,560/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,272/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,837
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,556
−HK$731/mo
Today · 4.125%
HK$28,287
baseline
▲ 0.50% · 4.625%
HK$29,778
+HK$1,491/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,574/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,144
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,019
−HK$890/mo
Today · 4.125%
HK$29,909
baseline
▲ 0.50% · 4.625%
HK$31,728
+HK$1,819/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,818/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,310
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,149
−HK$852/mo
Today · 4.125%
HK$33,001
baseline
▲ 0.50% · 4.625%
HK$34,741
+HK$1,740/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$66,002/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,185
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,310
−HK$1,144/mo
Today · 4.125%
HK$38,454
baseline
▲ 0.50% · 4.625%
HK$40,794
+HK$2,340/mo
Deposit HK$882K · loan HK$7.93M · min. income ≈ HK$76,908/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,255
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,335
−HK$1,095/mo
Today · 4.125%
HK$42,430
baseline
▲ 0.50% · 4.625%
HK$44,667
+HK$2,237/mo
Deposit HK$882K · loan HK$7.93M · min. income ≈ HK$84,860/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,479 · 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).