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$20,736
−HK$635/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$264,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,372
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,972
−HK$609/mo
Today · 4.125%
HK$23,581
baseline
▲ 0.50% · 4.625%
HK$24,824
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,162/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,132
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,883
−HK$762/mo
Today · 4.125%
HK$25,645
baseline
▲ 0.50% · 4.625%
HK$27,206
+HK$1,561/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$264,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,847
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,567
−HK$730/mo
Today · 4.125%
HK$28,297
baseline
▲ 0.50% · 4.625%
HK$29,789
+HK$1,492/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,594/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,154
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,030
−HK$890/mo
Today · 4.125%
HK$29,920
baseline
▲ 0.50% · 4.625%
HK$31,740
+HK$1,820/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$59,840/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,321
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,161
−HK$852/mo
Today · 4.125%
HK$33,013
baseline
▲ 0.50% · 4.625%
HK$34,753
+HK$1,740/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$66,026/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,198
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,324
−HK$1,144/mo
Today · 4.125%
HK$38,468
baseline
▲ 0.50% · 4.625%
HK$40,809
+HK$2,341/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,936/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,270
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,350
−HK$1,096/mo
Today · 4.125%
HK$42,446
baseline
▲ 0.50% · 4.625%
HK$44,683
+HK$2,237/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,892/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,576 · 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).