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$20,120
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,745
−HK$636/mo
Today · 4.125%
HK$21,381
baseline
▲ 0.50% · 4.625%
HK$22,682
+HK$1,301/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,762/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,383
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,983
−HK$609/mo
Today · 4.125%
HK$23,592
baseline
▲ 0.50% · 4.625%
HK$24,836
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,184/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,143
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,894
−HK$763/mo
Today · 4.125%
HK$25,657
baseline
▲ 0.50% · 4.625%
HK$27,219
+HK$1,562/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,314/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,859
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,580
−HK$731/mo
Today · 4.125%
HK$28,311
baseline
▲ 0.50% · 4.625%
HK$29,803
+HK$1,492/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,622/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,167
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,044
−HK$890/mo
Today · 4.125%
HK$29,934
baseline
▲ 0.50% · 4.625%
HK$31,755
+HK$1,821/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,868/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,336
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,176
−HK$853/mo
Today · 4.125%
HK$33,029
baseline
▲ 0.50% · 4.625%
HK$34,770
+HK$1,741/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,058/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,215
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,342
−HK$1,144/mo
Today · 4.125%
HK$38,486
baseline
▲ 0.50% · 4.625%
HK$40,828
+HK$2,342/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,972/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,289
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,370
−HK$1,096/mo
Today · 4.125%
HK$42,466
baseline
▲ 0.50% · 4.625%
HK$44,704
+HK$2,238/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,932/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,702 · 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).