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$20,095
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,720
−HK$635/mo
Today · 4.125%
HK$21,355
baseline
▲ 0.50% · 4.625%
HK$22,655
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,710/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,356
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,955
−HK$608/mo
Today · 4.125%
HK$23,563
baseline
▲ 0.50% · 4.625%
HK$24,805
+HK$1,242/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,126/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,114
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,864
−HK$762/mo
Today · 4.125%
HK$25,626
baseline
▲ 0.50% · 4.625%
HK$27,186
+HK$1,560/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,252/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,827
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,546
−HK$730/mo
Today · 4.125%
HK$28,276
baseline
▲ 0.50% · 4.625%
HK$29,767
+HK$1,491/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,552/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,133
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,008
−HK$889/mo
Today · 4.125%
HK$29,897
baseline
▲ 0.50% · 4.625%
HK$31,716
+HK$1,819/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,794/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,298
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,137
−HK$852/mo
Today · 4.125%
HK$32,989
baseline
▲ 0.50% · 4.625%
HK$34,728
+HK$1,739/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,978/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,171
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,296
−HK$1,143/mo
Today · 4.125%
HK$38,439
baseline
▲ 0.50% · 4.625%
HK$40,778
+HK$2,339/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,878/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,240
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,319
−HK$1,095/mo
Today · 4.125%
HK$42,414
baseline
▲ 0.50% · 4.625%
HK$44,650
+HK$2,236/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,828/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,380 · 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).