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$20,098
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,723
−HK$636/mo
Today · 4.125%
HK$21,359
baseline
▲ 0.50% · 4.625%
HK$22,658
+HK$1,299/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,718/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,359
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,959
−HK$608/mo
Today · 4.125%
HK$23,567
baseline
▲ 0.50% · 4.625%
HK$24,809
+HK$1,242/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,134/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,118
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,868
−HK$762/mo
Today · 4.125%
HK$25,630
baseline
▲ 0.50% · 4.625%
HK$27,190
+HK$1,560/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,260/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,831
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,550
−HK$730/mo
Today · 4.125%
HK$28,280
baseline
▲ 0.50% · 4.625%
HK$29,771
+HK$1,491/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,560/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,138
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,013
−HK$889/mo
Today · 4.125%
HK$29,902
baseline
▲ 0.50% · 4.625%
HK$31,721
+HK$1,819/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,804/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,303
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,142
−HK$852/mo
Today · 4.125%
HK$32,994
baseline
▲ 0.50% · 4.625%
HK$34,733
+HK$1,739/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,988/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,177
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,302
−HK$1,143/mo
Today · 4.125%
HK$38,445
baseline
▲ 0.50% · 4.625%
HK$40,785
+HK$2,340/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,890/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,246
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,326
−HK$1,095/mo
Today · 4.125%
HK$42,421
baseline
▲ 0.50% · 4.625%
HK$44,657
+HK$2,236/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,842/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,421 · 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).