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$20,119
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,744
−HK$636/mo
Today · 4.125%
HK$21,380
baseline
▲ 0.50% · 4.625%
HK$22,681
+HK$1,301/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,760/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,382
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,982
−HK$609/mo
Today · 4.125%
HK$23,591
baseline
▲ 0.50% · 4.625%
HK$24,835
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,182/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,142
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,893
−HK$763/mo
Today · 4.125%
HK$25,656
baseline
▲ 0.50% · 4.625%
HK$27,217
+HK$1,561/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,312/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,858
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,579
−HK$730/mo
Today · 4.125%
HK$28,309
baseline
▲ 0.50% · 4.625%
HK$29,801
+HK$1,492/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,618/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,166
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,042
−HK$890/mo
Today · 4.125%
HK$29,932
baseline
▲ 0.50% · 4.625%
HK$31,754
+HK$1,822/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,864/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,335
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,175
−HK$852/mo
Today · 4.125%
HK$33,027
baseline
▲ 0.50% · 4.625%
HK$34,768
+HK$1,741/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,054/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,214
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,340
−HK$1,145/mo
Today · 4.125%
HK$38,485
baseline
▲ 0.50% · 4.625%
HK$40,826
+HK$2,341/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,970/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,287
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,368
−HK$1,096/mo
Today · 4.125%
HK$42,464
baseline
▲ 0.50% · 4.625%
HK$44,702
+HK$2,238/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,928/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,690 · 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).