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$20,100
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,726
−HK$635/mo
Today · 4.125%
HK$21,361
baseline
▲ 0.50% · 4.625%
HK$22,661
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,722/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,362
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,961
−HK$609/mo
Today · 4.125%
HK$23,570
baseline
▲ 0.50% · 4.625%
HK$24,812
+HK$1,242/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,140/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,121
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,871
−HK$762/mo
Today · 4.125%
HK$25,633
baseline
▲ 0.50% · 4.625%
HK$27,193
+HK$1,560/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,266/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,834
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,554
−HK$730/mo
Today · 4.125%
HK$28,284
baseline
▲ 0.50% · 4.625%
HK$29,774
+HK$1,490/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,568/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,141
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,016
−HK$889/mo
Today · 4.125%
HK$29,905
baseline
▲ 0.50% · 4.625%
HK$31,725
+HK$1,820/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,810/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,306
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,146
−HK$852/mo
Today · 4.125%
HK$32,998
baseline
▲ 0.50% · 4.625%
HK$34,737
+HK$1,739/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,996/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,181
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,306
−HK$1,144/mo
Today · 4.125%
HK$38,450
baseline
▲ 0.50% · 4.625%
HK$40,789
+HK$2,339/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,900/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,251
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,330
−HK$1,095/mo
Today · 4.125%
HK$42,425
baseline
▲ 0.50% · 4.625%
HK$44,662
+HK$2,237/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,850/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,450 · 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).