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$20,121
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,747
−HK$636/mo
Today · 4.125%
HK$21,383
baseline
▲ 0.50% · 4.625%
HK$22,684
+HK$1,301/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,766/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,384
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,985
−HK$609/mo
Today · 4.125%
HK$23,594
baseline
▲ 0.50% · 4.625%
HK$24,837
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,188/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,145
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,896
−HK$763/mo
Today · 4.125%
HK$25,659
baseline
▲ 0.50% · 4.625%
HK$27,221
+HK$1,562/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,318/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,861
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,582
−HK$731/mo
Today · 4.125%
HK$28,313
baseline
▲ 0.50% · 4.625%
HK$29,805
+HK$1,492/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,626/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,169
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,046
−HK$890/mo
Today · 4.125%
HK$29,936
baseline
▲ 0.50% · 4.625%
HK$31,757
+HK$1,821/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,872/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,338
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,179
−HK$852/mo
Today · 4.125%
HK$33,031
baseline
▲ 0.50% · 4.625%
HK$34,772
+HK$1,741/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,062/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,218
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,344
−HK$1,145/mo
Today · 4.125%
HK$38,489
baseline
▲ 0.50% · 4.625%
HK$40,831
+HK$2,342/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,978/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,292
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,373
−HK$1,096/mo
Today · 4.125%
HK$42,469
baseline
▲ 0.50% · 4.625%
HK$44,707
+HK$2,238/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,938/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,721 · 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).