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$20,112
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,738
−HK$635/mo
Today · 4.125%
HK$21,373
baseline
▲ 0.50% · 4.625%
HK$22,674
+HK$1,301/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,746/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,374
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,974
−HK$609/mo
Today · 4.125%
HK$23,583
baseline
▲ 0.50% · 4.625%
HK$24,826
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,166/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,134
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,885
−HK$763/mo
Today · 4.125%
HK$25,648
baseline
▲ 0.50% · 4.625%
HK$27,208
+HK$1,560/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,296/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,849
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,569
−HK$731/mo
Today · 4.125%
HK$28,300
baseline
▲ 0.50% · 4.625%
HK$29,792
+HK$1,492/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,600/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,157
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,033
−HK$889/mo
Today · 4.125%
HK$29,922
baseline
▲ 0.50% · 4.625%
HK$31,743
+HK$1,821/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$59,844/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,324
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,164
−HK$853/mo
Today · 4.125%
HK$33,017
baseline
▲ 0.50% · 4.625%
HK$34,757
+HK$1,740/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$66,034/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,202
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,328
−HK$1,144/mo
Today · 4.125%
HK$38,472
baseline
▲ 0.50% · 4.625%
HK$40,813
+HK$2,341/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,944/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,274
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,354
−HK$1,096/mo
Today · 4.125%
HK$42,450
baseline
▲ 0.50% · 4.625%
HK$44,687
+HK$2,237/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,900/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,602 · 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).