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$1,260/mo
▼ 0.25% · 3.875%
HK$20,725
−HK$635/mo
Today · 4.125%
HK$21,360
baseline
▲ 0.50% · 4.625%
HK$22,660
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,720/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,361
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,960
−HK$609/mo
Today · 4.125%
HK$23,569
baseline
▲ 0.50% · 4.625%
HK$24,811
+HK$1,242/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,138/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,119
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,870
−HK$762/mo
Today · 4.125%
HK$25,632
baseline
▲ 0.50% · 4.625%
HK$27,192
+HK$1,560/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,264/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,833
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,552
−HK$730/mo
Today · 4.125%
HK$28,282
baseline
▲ 0.50% · 4.625%
HK$29,773
+HK$1,491/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,564/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,139
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,015
−HK$889/mo
Today · 4.125%
HK$29,904
baseline
▲ 0.50% · 4.625%
HK$31,724
+HK$1,820/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,808/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,305
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,144
−HK$852/mo
Today · 4.125%
HK$32,996
baseline
▲ 0.50% · 4.625%
HK$34,735
+HK$1,739/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,992/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,179
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,305
−HK$1,143/mo
Today · 4.125%
HK$38,448
baseline
▲ 0.50% · 4.625%
HK$40,787
+HK$2,339/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,896/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,249
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,328
−HK$1,095/mo
Today · 4.125%
HK$42,423
baseline
▲ 0.50% · 4.625%
HK$44,660
+HK$2,237/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,846/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,438 · 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).