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$20,102
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,727
−HK$635/mo
Today · 4.125%
HK$21,362
baseline
▲ 0.50% · 4.625%
HK$22,662
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,724/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,363
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,963
−HK$608/mo
Today · 4.125%
HK$23,571
baseline
▲ 0.50% · 4.625%
HK$24,814
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,142/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,122
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,873
−HK$762/mo
Today · 4.125%
HK$25,635
baseline
▲ 0.50% · 4.625%
HK$27,195
+HK$1,560/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,270/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,836
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,555
−HK$731/mo
Today · 4.125%
HK$28,286
baseline
▲ 0.50% · 4.625%
HK$29,777
+HK$1,491/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,572/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,143
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,018
−HK$889/mo
Today · 4.125%
HK$29,907
baseline
▲ 0.50% · 4.625%
HK$31,727
+HK$1,820/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,814/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,308
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,148
−HK$852/mo
Today · 4.125%
HK$33,000
baseline
▲ 0.50% · 4.625%
HK$34,739
+HK$1,739/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$66,000/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,183
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,309
−HK$1,143/mo
Today · 4.125%
HK$38,452
baseline
▲ 0.50% · 4.625%
HK$40,792
+HK$2,340/mo
Deposit HK$882K · loan HK$7.93M · min. income ≈ HK$76,904/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,254
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,333
−HK$1,095/mo
Today · 4.125%
HK$42,428
baseline
▲ 0.50% · 4.625%
HK$44,665
+HK$2,237/mo
Deposit HK$882K · loan HK$7.93M · min. income ≈ HK$84,856/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,469 · 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).